Homeowners Insurance in Toledo, OH

For a home at Toledo's median value of $114,500, we estimate about $660 a year — −41% versus the Ohio NAIC average of $1,116.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Toledo

Est. premium

$660

$55/mo · median home

Median home value

$114,500

Ohio: $214,800

Median year built

1955

Census ACS

Owner-occupied

53.3%

of households

Hazard score

78.5

state ref. 82.0

Toledo's estimate reflects its home values (47% lower than the state median) and FEMA's hazard profile for Lucas County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Toledo

FEMA National Risk Index — Lucas County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively High	96.0	Comprehensive (car); roof claims (home)
Tornado	Relatively High	97.3	Comprehensive; dwelling
Hurricane	Very Low	56.9	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	95.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Very Low	42.8	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	94.6	Comprehensive; dwelling
Winter weather	Relatively High	86.6	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	36.5	Comprehensive; dwelling
Earthquake	Relatively Low	88.1	Home needs a separate earthquake policy
Lightning	Relatively High	90.4	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Toledo

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,030	$950
$300,000	$1,425	$1,315
$500,000	$2,150	$1,975
$750,000	$2,970	$2,735

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Toledo

ZIP	Median home value	Owner-occupied	Est. premium
43615	$153,400	54.0%	$835
43613	$136,200	67.5%	$760
43614	$168,400	59.3%	$900
43612	$93,800	54.6%	$565
43606	$169,000	55.9%	$900
43605	$49,700	48.1%	$340
43609	$65,500	44.3%	$420
43623	$169,300	63.8%	$905
43607	$75,900	49.2%	$475
43611	$132,000	71.8%	$740
43608	$49,500	55.4%	$340
43604	$64,800	19.5%	$420
43620	$131,300	29.1%	$735
43610	$71,500	58.8%	$455

Homeowners insurance in Ohio · Car insurance in Toledo · Insurance offices near Toledo

Frequently asked questions

How much is homeowners insurance in Toledo?

For a home at Toledo's median value of $114,500, we estimate about $660 a year for a standard HO-3 policy with a $1,000 deductible. The Ohio NAIC average is $1,116.

What are the biggest natural hazards in Toledo?

FEMA's National Risk Index rates Lucas County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Toledo affect insurance?

Yes. The median home in Toledo was built in 1955 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Ohio, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Lucas County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page