Home Insurance in Lucas County, Ohio
With a median home value of $163,900, Lucas County is 24% lower than the Ohio median.
The typical home in Lucas County was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 9 points above Ohio's 38%.
Housing in Lucas County breaks down to 72% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 59% of owner-occupied homes in Lucas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lucas County has an owner-occupancy rate of 62% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Lucas County - 75% - are primarily heated with natural gas.
FEMA's National Risk Index lists tornado (Relatively High), hail (Relatively High) and inland flooding (Relatively High) as the leading hazards for Lucas County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lucas County has 985 active NFIP flood policies on file.
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 | $163,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 985 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)