Home Insurance in Lithopolis, Ohio
Homes in Lithopolis carry a median value of $350,000 - 17% higher than the Fairfield County median.
The typical home in Lithopolis was built around 2005. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 9 points below Fairfield County's 25%.
Housing in Lithopolis breaks down to 94% single-family homes and 1% mobile or manufactured homes.
In Lithopolis, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Lithopolis are owner-occupied.
Most homes in Lithopolis - 78% - are primarily heated with natural gas.
What's the biggest home insurance risk near Lithopolis? FEMA's National Risk Index points to hail (Relatively Moderate) in Fairfield County and Fairfield County had 449 active NFIP flood policies as of September 2026. See the full Fairfield County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $350,000 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 84% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Fairfield County | 449 |
| 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)