Home Insurance in Fort Loramie, Ohio
With a median home value of $276,500, Fort Loramie is 33% higher than the Shelby County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fort Loramie was built around 1982. About 33% of homes were built before 1960, in line with Shelby County (34%).
The housing stock in Fort Loramie is 87% single-family homes. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Fort Loramie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fort Loramie has an owner-occupancy rate of 83% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Fort Loramie - 81% - are primarily heated with natural gas.
Shelby County had 120 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Shelby County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $276,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Shelby County | 120 |
| 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)