Home Insurance in Morrow, Ohio
With a median home value of $302,900, Morrow is 13% lower than the Warren County median.
The typical home in Morrow was built around 2009. About 37% of homes were built before 1960, about 23 points above Warren County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Morrow is 89% single-family homes and 2% apartments in buildings with 5+ units.
75% of owner-occupied homes in Morrow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Morrow has an owner-occupancy rate of 78% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Morrow - 67% - are primarily heated with natural gas.
FEMA rates Warren County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Warren County had 482 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood 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 | $302,900 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Warren County | 482 |
| 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)