Home Insurance in Warren, Ohio
Homes in Warren carry a median value of $86,400 - 39% lower than the Trumbull County median.
The typical home in Warren was built around 1955. About 64% of homes were built before 1960, about 20 points above Trumbull County's 44%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Warren breaks down to 74% single-family homes and 16% apartments in buildings with 5+ units.
About 48% of owner-occupied homes in Warren have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Warren are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
86% of homes in Warren are primarily heated with natural gas.
What's the biggest home insurance risk near Warren? FEMA's National Risk Index points to strong wind (Relatively High) in Trumbull County and Trumbull County had 357 active NFIP flood policies as of September 2026. See the full Trumbull 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 | $86,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)