Home Insurance in Trumbull County, Ohio
Homes in Trumbull County carry a median value of $141,800 - 34% lower than the Ohio median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Trumbull County was built around 1964. About 44% of homes were built before 1960, about 6 points above Ohio's 38%.
The housing stock in Trumbull County is 80% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Trumbull County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Trumbull County has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Trumbull County, 80% of homes are primarily heated with natural gas.
The top hazards for Trumbull County, per FEMA's National Risk Index, are strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively High).
Trumbull County had 357 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $141,800 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 357 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cortland
- Girard
- Hubbard
- Lordstown
- McDonald
- Newton Falls
- Niles
- Orangeville
- Warren
- West Farmington
- Yankee Lake
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)