Home Insurance in Corning, Ohio
The median home value in Corning is $59,100, 69% lower than the Perry County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Corning was built in 1939 or earlier. About 82% of homes were built before 1960, about 47 points above Perry County's 35%.
In Corning, the housing stock is 85% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Corning, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Corning are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Corning, 67% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Corning? FEMA's National Risk Index points to hail (Relatively Low) in Perry County and Perry County had 107 active NFIP flood policies as of September 2026. See the full Perry 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 | $59,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Perry County | 107 |
| 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)