Home Insurance in Leesburg, Ohio
The median home value in Leesburg is $150,900, 11% lower than the Highland County median.
The typical home in Leesburg was built around 1971. About 43% of homes were built before 1960, about 11 points above Highland County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leesburg is 73% single-family homes, 3% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
77% of owner-occupied homes in Leesburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Leesburg are owner-occupied.
71% of homes in Leesburg are primarily heated with natural gas.
What's the biggest home insurance risk near Leesburg? FEMA's National Risk Index points to earthquake (Relatively Low) in Highland County and Highland County had 6 active NFIP flood policies as of September 2026. See the full Highland County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $150,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Highland County | 6 |
| 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)