Home Insurance in Medina County, Ohio
The median home value in Medina County is $287,000, 34% higher than the Ohio median.
The typical home in Medina County was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 20% of homes were built before 1960, about 18 points below Ohio's 38%.
In Medina County, the housing stock is 84% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
65% of owner-occupied homes in Medina County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Medina County are owner-occupied.
Most homes in Medina County - 73% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Medina County's top hazards are winter weather (Relatively High), strong wind (Relatively High) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Medina County has 260 active NFIP flood policies on file.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $287,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 260 |
| 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)