Home Insurance in Lisbon, Ohio
Homes in Lisbon carry a median value of $110,000 - 27% lower than the Columbiana County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lisbon was built around 1941. About 64% of homes were built before 1960, about 18 points above Columbiana County's 45%.
The housing stock in Lisbon is 64% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
49% of owner-occupied homes in Lisbon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Lisbon are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
76% of homes in Lisbon are primarily heated with natural gas.
What's the biggest home insurance risk near Lisbon? FEMA's National Risk Index points to hail (Relatively Moderate) in Columbiana County and Columbiana County had 114 active NFIP flood policies as of September 2026. See the full Columbiana County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $110,000 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Columbiana County | 114 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)