Homeowners insurance in Ohio: premium by ZIP code
Ohio's median ZIP code paid $1,239 per policy in 2022, ranked 38 of 51, one of the cheaper large states.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Ohio (median ZIP code)
$1,239
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,650.
| Change from 2018 to 2022, after inflation | +4.6% |
| Premium per policy in 2018 | $1,184 |
| Premium per policy in 2022 | $1,239 |
| 2022 premium carried to September 2026 (BLS index) | $1,650 |
| Policies not renewed by the insurer, 2022 | 0.99% |
| Claims paid per 100 policies, yearly average | 4.3 |
| Average claim paid, 2018 to 2022 (adjusted) | $13,195 |
| Cancelled for nonpayment, 2022 | 1.68% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 1,032 ZIP codes in 88 counties of Ohio in the Treasury file · not a quote
Ohio is one of the cheaper large states for homeowners insurance in the Treasury file. Across 1,032 ZIP codes, the median paid $1,239 per policy in 2022, ranked 38 of 51 and below the national $1,551, after a rise of +4.2% after inflation. The range is narrow: the cheapest tenth of ZIP codes paid under $1,074 and the dearest tenth over $1,445. The three big counties are close together, Cuyahoga, Cleveland, at $1,255, Franklin, Columbus, at $1,263, and Hamilton, Cincinnati, at $1,333. Cuyahoga holds both ends of the state's range: ZIP 44040, Gates Mills, paid $2,740, and 44134, Parma, $906. Claims rose in 2019 and 2020, with tornadoes around Dayton in May 2019. Insurers paid out 41% of premium in claims in 2022. Nonrenewals were 0.99%. The Ohio FAIR Plan covers homes declined elsewhere. The data stop in 2022.
The three Cs
Cuyahoga County and Hamilton County each had 51 ZIP codes in the file; Franklin had 38. Their medians, $1,255, $1,333 and $1,263 in 2022, rose +3.3%, +6.2% and +4.5% after inflation from 2018. Summit County, Akron, paid $1,147, flat. The dearest ZIP codes were suburban estates: 44040 east of Cleveland at $2,740 and 45243, Indian Hill near Cincinnati, at $2,510. The cheapest were Cleveland's inner-ring suburbs, 44134 at $906 and 44142 at $919.
Ohio against a neighboring state
Example, not your result yet· change a figure to see yours
Median premium per policy in Ohio, 2022
$1,239
| Same premium carried to September 2026 with the BLS index | $1,650 |
| Median ZIP change 2018 to 2022, after inflation | 4.2% |
| Cheapest tenth of ZIP codes pays under | $1,074 |
| Dearest tenth of ZIP codes pays over | $1,445 |
Storm years
Paid claims per 100 policies went 3.5, 4.5, 4.4, 3.8, 4.3 from 2018 to 2022. The Memorial Day tornado outbreak of 2019 struck the Dayton area, and the paid loss ratio rose from 31% in 2018 to 40% in 2019 and 44% in 2020. The average claim, $13,195, was below the national figure, ranked 42 of 51. Ohio policies commonly carry a flat deductible; some insurers have added separate wind and hail deductibles, which the deductible calculator can model as a percentage.
Older houses and the dwelling limit
Ohio cities have many houses built before 1940, with plaster walls, slate roofs and wood trim. The cost to rebuild them with similar materials can exceed their market value, and a policy that pays only the market value or a modified HO-8 form will not restore the original finishes. The dwelling coverage page explains how replacement cost and the 80 percent condition work, and why the limit should follow the rebuild cost.
Renewals and the FAIR Plan
Ohio's median nonrenewal rate went from 0.96% in 2018 to 0.67% in 2020 and back to 0.99% in 2022, ranked 18 of 51. The Ohio FAIR Plan writes dwelling fire and homeowners named-peril and multi-peril forms for homes that cannot find a private insurer. The Ohio Department of Insurance handles complaints. Ohio also lets owners in many counties buy a mine subsidence endorsement, which matters in the old coal areas of the east and southeast.
Ohio, year by year
| Year | Ohio median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,184 | $1,445 | 0.96% | 3.5 | 31% |
| 2019 | $1,174 | $1,469 | 0.76% | 4.5 | 40% |
| 2020 | $1,181 | $1,491 | 0.67% | 4.4 | 44% |
| 2021 | $1,215 | $1,521 | 0.78% | 3.8 | 37% |
| 2022 | $1,239 | $1,551 | 0.99% | 4.3 | 41% |
The Ohio counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Cuyahoga County | 51 | $1,203 | $1,255 | +3.3% | 1.13% | $12,652 |
| Hamilton County | 51 | $1,236 | $1,333 | +6.2% | 0.83% | $11,783 |
| Franklin County | 38 | $1,213 | $1,263 | +4.5% | 1.18% | $11,578 |
| Summit County | 31 | $1,154 | $1,147 | -0.1% | 0.95% | $12,778 |
| Montgomery County | 29 | $1,189 | $1,296 | +6.9% | 0.86% | $12,026 |
| Mahoning County | 26 | $1,174 | $1,206 | +0.7% | 1.09% | $11,783 |
| Stark County | 26 | $1,100 | $1,110 | +1.1% | 0.90% | $13,203 |
| Lucas County | 25 | $1,233 | $1,297 | +5.4% | 0.89% | $16,076 |
Highest and lowest premiums per policy, Ohio ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 44040 | Cuyahoga County | $2,740 | +1.9% | 1.02% |
| 45243 | Hamilton County | $2,510 | +8.3% | 0.52% |
| 44022 | Cuyahoga County | $2,334 | +2.3% | 0.79% |
| 43620 | Lucas County | $2,211 | +6.0% | 1.83% |
| 45208 | Hamilton County | $2,085 | +3.6% | 0.29% |
| 44134 | Cuyahoga County | $906 | +3.8% | 1.16% |
| 44142 | Cuyahoga County | $919 | +4.8% | 0.88% |
| 44129 | Cuyahoga County | $927 | +4.5% | 0.98% |
| 43144 | Hocking County | $933 | -10.5% | 3.33% |
| 44095 | Lake County | $940 | +2.6% | 0.86% |