Home Insurance in Avon, Ohio
The median home value in Avon is $395,900, 77% higher than the Lorain County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Avon was built around 2001. About 11% of homes were built before 1960, about 22 points below Lorain County's 33%.
Housing in Avon breaks down to 92% single-family homes and 4% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Avon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Avon are owner-occupied.
Most homes in Avon - 90% - are primarily heated with natural gas.
Lorain County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Lorain County had 755 active NFIP flood policies as of September 2026. See the full Lorain 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 | $395,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lorain County | 755 |
| 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)