Home Insurance in Wellington, Ohio
Homes in Wellington carry a median value of $197,000 - 12% lower than the Lorain County median.
The typical home in Wellington was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 5 points above Lorain County's 33%.
The housing stock in Wellington is 76% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Wellington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Wellington are owner-occupied.
72% of homes in Wellington are primarily heated with natural gas.
Lorain County had 755 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Lorain 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 | $197,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| 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)