Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in Ohio
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
Ohio ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | Lake County | $417 | Relatively Low | $199,900 |
| 2 | Mahoning County | $433 | Relatively Moderate | $141,100 |
| 3 | Richland County | $445 | Relatively Low | $154,000 |
| 4 | Summit County | $445 | Relatively Moderate | $195,700 |
| 5 | Portage County | $447 | Relatively Low | $210,500 |
| 6 | Medina County | $482 | Relatively Low | $268,000 |
| 7 | Stark County | $493 | Relatively Moderate | $177,700 |
| 8 | Ashtabula County | $499 | Relatively Low | $149,600 |
| 9 | Wayne County | $503 | Relatively Low | $204,600 |
| 10 | Trumbull County | $510 | Relatively Moderate | $128,100 |
| 11 | Cuyahoga County | $510 | Relatively High | $183,200 |
| 12 | Montgomery County | $518 | Relatively Moderate | $167,400 |
| 13 | Lorain County | $523 | Relatively Moderate | $207,200 |
| 14 | Clermont County | $551 | Relatively Low | $245,600 |
| 15 | Geauga County | $555 | Relatively Low | $305,100 |
| 16 | Carroll County | $559 | Very Low | $174,500 |
| 17 | Tuscarawas County | $563 | Relatively Low | $176,800 |
| 18 | Guernsey County | $572 | Very Low | $154,100 |
| 19 | Clark County | $591 | Relatively Low | $155,900 |
| 20 | Perry County | $604 | Very Low | $178,300 |
| 21 | Franklin County | $605 | Relatively High | $265,700 |
| 22 | Columbiana County | $606 | Relatively Low | $139,100 |
| 23 | Lucas County | $611 | Relatively Moderate | $155,200 |
| 24 | Greene County | $617 | Relatively Low | $238,000 |
| 25 | Hamilton County | $628 | Relatively High | $225,700 |
| 26 | Jackson County | $641 | Very Low | $140,400 |
| 27 | Fairfield County | $650 | Relatively Low | $272,200 |
| 28 | Miami County | $650 | Relatively Low | $209,200 |
| 29 | Morrow County | $655 | Very Low | $200,800 |
| 30 | Erie County | $659 | Relatively Low | $183,900 |
| 31 | Crawford County | $677 | Very Low | $123,600 |
| 32 | Champaign County | $678 | Very Low | $186,300 |
| 33 | Warren County | $685 | Relatively Low | $319,700 |
| 34 | Harrison County | $685 | Very Low | $118,000 |
| 35 | Licking County | $698 | Relatively Low | $250,700 |
| 36 | Clinton County | $702 | Very Low | $192,800 |
| 37 | Huron County | $709 | Relatively Low | $158,900 |
| 38 | Coshocton County | $710 | Relatively Low | $142,300 |
| 39 | Ashland County | $712 | Relatively Low | $175,900 |
| 40 | Madison County | $720 | Very Low | $231,400 |
| 41 | Ross County | $730 | Relatively Low | $158,500 |
| 42 | Van Wert County | $731 | Very Low | $137,300 |
| 43 | Seneca County | $733 | Relatively Low | $136,200 |
| 44 | Fulton County | $737 | Very Low | $176,000 |
| 45 | Vinton County | $737 | Very Low | $131,700 |
| 46 | Highland County | $777 | Relatively Low | $157,000 |
| 47 | Allen County | $780 | Relatively Low | $158,400 |
| 48 | Auglaize County | $782 | Very Low | $182,000 |
| 49 | Wood County | $800 | Relatively Low | $214,400 |
| 50 | Marion County | $803 | Relatively Low | $146,200 |
| 51 | Knox County | $803 | Relatively Low | $218,300 |
| 52 | Williams County | $808 | Relatively Low | $140,000 |
| 53 | Union County | $808 | Very Low | $306,600 |
| 54 | Sandusky County | $816 | Relatively Low | $152,500 |
| 55 | Fayette County | $820 | Very Low | $162,200 |
| 56 | Butler County | $824 | Relatively Moderate | $243,000 |
| 57 | Jefferson County | $826 | Relatively Low | $120,600 |
| 58 | Muskingum County | $859 | Relatively Low | $170,100 |
| 59 | Pickaway County | $861 | Relatively Low | $235,700 |
| 60 | Delaware County | $862 | Relatively Low | $419,500 |
| 61 | Preble County | $872 | Relatively Low | $171,100 |
| 62 | Holmes County | $879 | Relatively Low | $251,800 |
| 63 | Washington County | $895 | Relatively Low | $174,100 |
| 64 | Hardin County | $902 | Very Low | $134,800 |
| 65 | Scioto County | $930 | Relatively Low | $132,300 |
| 66 | Shelby County | $933 | Relatively Low | $190,300 |
| 67 | Wyandot County | $938 | Very Low | $159,500 |
| 68 | Darke County | $950 | Relatively Low | $169,100 |
| 69 | Logan County | $963 | Relatively Low | $186,200 |
| 70 | Hancock County | $976 | Relatively Low | $196,500 |
| 71 | Pike County | $978 | Relatively Low | $148,500 |
| 72 | Noble County | $1,013 | Very Low | $149,300 |
| 73 | Defiance County | $1,020 | Very Low | $150,900 |
| 74 | Gallia County | $1,023 | Relatively Low | $135,000 |
| 75 | Brown County | $1,032 | Relatively Low | $181,100 |
| 76 | Putnam County | $1,058 | Very Low | $191,600 |
| 77 | Paulding County | $1,098 | Very Low | $126,800 |
| 78 | Belmont County | $1,105 | Relatively Low | $143,000 |
| 79 | Mercer County | $1,106 | Very Low | $208,600 |
| 80 | Athens County | $1,121 | Relatively Low | $173,800 |
| 81 | Morgan County | $1,167 | Very Low | $134,200 |
| 82 | Monroe County | $1,178 | Very Low | $132,000 |
| 83 | Henry County | $1,195 | Very Low | $166,000 |
| 84 | Lawrence County | $1,219 | Relatively Low | $135,600 |
| 85 | Ottawa County | $1,221 | Relatively Low | $200,700 |
| 86 | Hocking County | $1,222 | Relatively Low | $172,300 |
| 87 | Adams County | $1,250 | Relatively Low | $157,500 |
| 88 | Meigs County | $1,307 | Relatively Low | $113,400 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in Ohio