Home Insurance in Lowellville, Ohio
With a median home value of $85,600, Lowellville is 45% lower than the Mahoning County median.
The median home in Lowellville was built in 1939 or earlier. About 76% of homes were built before 1960, about 30 points above Mahoning County's 46%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lowellville is 84% single-family homes and 7% apartments in buildings with 5+ units.
In Lowellville, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lowellville has an owner-occupancy rate of 67% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
78% of homes in Lowellville are primarily heated with natural gas.
Mahoning County had 168 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Mahoning 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 | $85,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Mahoning County | 168 |
| 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)