"Ohio homeowners benefit from some of the lowest insurance costs in the U.S., even as premiums rise in climate-vulnerable states. While Gulf Coast and Western markets are experiencing sharp affordability challenges, new data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report show that Ohio remains one of the more affordable states for homeowners coverage."
"According to the American Community Survey (ACS) data from the U.S. Census Bureau , Ohio homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average roughly $800 to $999. Overall statewide costs also fall into the $1,000-$1,499 range."
"Ohio has 3,331,033 insured homeowner households in total-2,000,980 with a mortgage and 1,352,443 without. Among mortgaged owners, 176,698 pay less than $100 annually and 58,566 pay $4,000 or more."
Ohio offers some of the lowest homeowners insurance costs in the United States despite rising premiums in climate-vulnerable regions. Gulf Coast and Western markets face sharp affordability challenges, while Ohio remains comparatively affordable based on U.S. Census Bureau and Realtor.com 2025 Climate Risk Report data. Homeowners with a mortgage in Ohio typically pay $1,000–$1,499 annually, and homeowners without a mortgage average roughly $800–$999. Statewide costs fall into the $1,000–$1,499 range. Ohio contains about 3,331,033 insured homeowner households, including 2,000,980 with mortgages and 1,352,443 without. Premiums vary widely, with some paying under $100 and others paying $4,000 or more.
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