Home Insurance in Lucas, Ohio
The median home value in Lucas is $142,300, 14% lower than the Richland County median.
The typical home in Lucas was built around 1954. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 13 points above Richland County's 43%.
Housing in Lucas breaks down to 69% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Lucas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lucas has an owner-occupancy rate of 61% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Lucas - 75% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Richland County's overall risk as Relatively Low, led by hail (Relatively Moderate). Richland County had 126 active NFIP flood policies as of September 2026. See the full Richland 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 | $142,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Richland County | 126 |
| 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)