Home Insurance in Perry, Ohio
With a median home value of $254,800, Perry is 19% higher than the Lake County median.
The typical home in Perry was built around 1995. About 26% of homes were built before 1960, about 6 points below Lake County's 32%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Perry breaks down to 92% single-family homes and 3% apartments in buildings with 5+ units.
In Perry, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Perry has an owner-occupancy rate of 89% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Perry, 85% of homes are primarily heated with natural gas.
Lake County had 468 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Lake County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $254,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)