Home Insurance in Maumee, Ohio
The median home value in Maumee is $194,500, 19% higher than the Lucas County median.
The typical home in Maumee was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 2 points below Lucas County's 47%.
The housing stock in Maumee is 78% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 62% of owner-occupied homes in Maumee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Maumee has an owner-occupancy rate of 72% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Maumee - 85% - are primarily heated with natural gas.
FEMA rates Lucas County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
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 | $194,500 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)