Home Insurance in Ludlow Falls, Ohio
The median home value in Ludlow Falls is $97,800, 57% lower than the Miami County median.
The median home in Ludlow Falls was built in 1939 or earlier. About 82% of homes were built before 1960, about 45 points above Miami County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Ludlow Falls, the housing stock is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Ludlow Falls, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Ludlow Falls are owner-occupied.
Most homes in Ludlow Falls - 77% - are primarily heated with natural gas.
FEMA rates Miami County's overall risk as Relatively Low, led by earthquake (Relatively Low). Miami County had 281 active NFIP flood policies as of September 2026. See the full Miami County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $97,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Miami County | 281 |
| 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)