Home Insurance in Luckey, Ohio
Homes in Luckey carry a median value of $161,200 - 29% lower than the Wood County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Luckey was built in 1939 or earlier. About 68% of homes were built before 1960, about 42 points above Wood County's 26%.
The housing stock in Luckey is 93% single-family homes.
65% of owner-occupied homes in Luckey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Luckey are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Luckey are primarily heated with natural gas.
FEMA rates Wood County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Wood County had 148 active NFIP flood policies as of September 2026. See the full Wood 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 | $161,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Wood County | 148 |
| 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)