Home Insurance in Berkey, Ohio
With a median home value of $283,300, Berkey is 73% higher than the Lucas County median.
The typical home in Berkey was built around 1969. About 40% of homes were built before 1960, about 7 points below Lucas County's 47%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Berkey breaks down to 100% single-family homes.
59% of owner-occupied homes in Berkey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Berkey are owner-occupied.
In Berkey, 82% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Berkey? FEMA's National Risk Index points to tornado (Relatively High) in Lucas County and Lucas County had 985 active NFIP flood policies as of September 2026. See the full Lucas 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 | $283,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Lucas County | 985 |
| 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)