Home Insurance in Kelleys Island, Ohio
The median home value in Kelleys Island is $346,400, 73% higher than the Erie County median.
The typical home in Kelleys Island was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 15% of homes were built before 1960, about 25 points below Erie County's 40%.
The housing stock in Kelleys Island is 88% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Kelleys Island have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kelleys Island has an owner-occupancy rate of 92% and a vacancy rate of 94%; unoccupied homes typically need a different coverage form.
Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Kelleys Island are primarily heated with electricity.
Erie County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Erie County had 475 active NFIP flood policies as of September 2026. See the full Erie 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 | $346,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Erie County | 475 |
| 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)