Home Insurance in Lore City, Ohio
Homes in Lore City carry a median value of $126,600 - 20% lower than the Guernsey County median.
The median home in Lore City was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 81% of homes were built before 1960, about 43 points above Guernsey County's 38%.
The housing stock in Lore City is 90% 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.
46% of owner-occupied homes in Lore City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lore City has an owner-occupancy rate of 64% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Lore City, 87% of homes are primarily heated with natural gas.
Guernsey County's top FEMA-rated hazard is hail (Relatively Low), per FEMA's National Risk Index. Guernsey County had 130 active NFIP flood policies as of September 2026. See the full Guernsey 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 | $126,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Guernsey County | 130 |
| 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)