Home Insurance in Orangeville, Ohio
Homes in Orangeville carry a median value of $164,600 - 16% higher than the Trumbull County median.
The typical home in Orangeville was built around 1951. About 71% of homes were built before 1960, about 27 points above Trumbull County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Orangeville is 95% single-family homes.
76% of owner-occupied homes in Orangeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 57% of occupied homes in Orangeville are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Orangeville - 69% - 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.
Trumbull County had 357 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Trumbull County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $164,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Trumbull County | 357 |
| 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)