ZIP Codes Tracked
1,029
U.S. Treasury FIO data for 1,029 ZIP codes in Ohio (OH).
Homeowners in Ohio pay an average of $1,263 per year for home insurance — 29% below the national average of $1,776. That ranks Ohio as the 42nd most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 4.3%.
On five-year premium growth (2018–2022), Ohio ranks 29th out of 51 states. Its nonrenewal rate (1.19%) ranks 21st out of 50 — nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.
Source: U.S. Department of the Treasury, Federal Insurance Office — "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for caveats.
Ohio homeowners paid an average of $1,263 per year for home insurance based on U.S. Treasury FIO data covering 1,029 ZIP codes across the state. That is 29% below the national average of $1,776 per year reported by the Federal Insurance Office. Ohio ranks 42nd most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $906 in 44134 to $2,740 in 44040.
Between 2018 and 2022, average premiums rose by 4.3% in Ohio, placing the state 29th nationally on five-year premium growth. The state-level loss ratio averaged 53.8%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates — the share of policies insurers decline to extend at expiration — averaged 1.19%, a decline of 6.3% over the study period (ranking 21st out of 50 states).
Within Ohio, premium dispersion across ZIP codes is substantial: the most expensive ZIP (44040 in Gates Mills) charges 202% more than the least expensive (44134 in Cleveland), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is for educational research only and is not insurance advice — homeowners should obtain quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.
Ohio statewide — FIO 2018-2022 average: 54% (Insurer-favorable) — low claim payout — insurer retains a healthy margin.
ZIP Codes Tracked
1,029
Reporting Period
2018-2022
Source
U.S. Treasury FIO
| Year | Avg Premium | Median Premium |
|---|---|---|
| 2018 | $1,210 | $1,185 |
| 2019 | $1,200 (-0.8%) | $1,175 |
| 2020 | $1,205 (+0.4%) | $1,181 |
| 2021 | $1,240 (+2.9%) | $1,215 |
| 2022 | $1,263 (+1.9%) | $1,240 |
1,029 ZIP codes sorted by premium (highest first). Click column headers to sort.
| ZIP | City | Premium |
|---|---|---|
| 44040 | Gates Mills | $2,740 |
| 45243 | Cincinnati | $2,510 |
| 44022 | Chagrin Falls | $2,334 |
| 43620 | Toledo | $2,211 |
| 45208 | Cincinnati | $2,085 |
| 44106 | Cleveland | $2,078 |
| 45174 | Terrace Park | $2,072 |
| 45206 | Cincinnati | $2,019 |
| 45202 | Cincinnati | $1,998 |
| 43054 | New Albany | $1,953 |
| 43215 | Columbus | $1,947 |
| 44108 | Cleveland | $1,928 |
| 45229 | Cincinnati | $1,874 |
| 44120 | Cleveland | $1,842 |
| 45220 | Cincinnati | $1,821 |
| 44072 | Novelty | $1,821 |
| 45249 | Cincinnati | $1,810 |
| 45226 | Cincinnati | $1,809 |
| 43205 | Columbus | $1,808 |
| 45370 | Spring Valley | $1,807 |
| 44122 | Beachwood | $1,807 |
| 43610 | Toledo | $1,770 |
| 43209 | Columbus | $1,729 |
| 44286 | Richfield | $1,717 |
| 43203 | Columbus | $1,706 |
| 44333 | Akron | $1,701 |
| 43017 | Dublin | $1,671 |
| 43153 | South Solon | $1,657 |
| 43001 | Alexandria | $1,653 |
| 44023 | Chagrin Falls | $1,648 |
| 45242 | Cincinnati | $1,621 |
| 45841 | Jenera | $1,619 |
| 43021 | Galena | $1,612 |
| 44504 | Youngstown | $1,609 |
| 43084 | Woodstock | $1,608 |
| 45054 | Oregonia | $1,604 |
| 43413 | Cygnet | $1,604 |
| 44103 | Cleveland | $1,603 |
| 43065 | Powell | $1,603 |
| 44236 | Hudson | $1,602 |
| 43023 | Granville | $1,597 |
| 44139 | Solon | $1,593 |
| 45034 | Kings Mills | $1,576 |
| 45040 | Mason | $1,561 |
| 44104 | Cleveland | $1,561 |
| 43112 | Carroll | $1,559 |
| 44112 | Cleveland | $1,551 |
| 45405 | Dayton | $1,550 |
| 45066 | Springboro | $1,547 |
| 43082 | Westerville | $1,541 |
Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs