Home Insurance in LaGrange, Ohio
The median home value in LaGrange is $264,300, 18% higher than the Lorain County median.
The typical home in LaGrange was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 28% of homes were built before 1960, about 6 points below Lorain County's 33%.
In LaGrange, the housing stock is 83% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In LaGrange, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in LaGrange are owner-occupied.
In LaGrange, 73% of homes are primarily heated with natural gas.
FEMA rates Lorain County's overall risk as Relatively Moderate, led by strong wind (Relatively High). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $264,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)