Home Insurance in Fairport Harbor, Ohio
The median home value in Fairport Harbor is $147,500, 31% lower than the Lake County median.
The median home in Fairport Harbor was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 31 points above Lake County's 32%.
In Fairport Harbor, the housing stock is 77% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Fairport Harbor, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairport Harbor has an owner-occupancy rate of 58% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
91% of homes in Fairport Harbor are primarily heated with natural gas.
What's the biggest home insurance risk near Fairport Harbor? FEMA's National Risk Index points to winter weather (Relatively High) in Lake County and Lake County had 468 active NFIP flood policies as of September 2026. See the full Lake 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 | $147,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lake County | 468 |
| 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)