Final Expense Insurance in Ohio: Coverage, Costs, and County-by-County Guidance for Buckeye State Seniors

Funeral and Cremation Costs in Ohio

Ohio funeral costs track close to the national median but vary meaningfully by region, with the three C’s — Cleveland, Columbus, and Cincinnati — running at the higher end and rural Appalachian and northwest Ohio counties running lower. The figures below reflect statewide averages and regional patterns; county-specific pricing is covered on each county page. Knowing the range helps families choose a burial insurance policy with the right coverage amount rather than guessing.

Statewide averages

The average cost of a funeral in Ohio ranges between $2,059 for a direct cremation and $8,013 for a traditional full service burial, depending on the services selected. Ohio sits in the NFDA’s East North Central district alongside Illinois, Indiana, Michigan, and Wisconsin, and the district reported the median cost of a funeral followed by burial to be roughly $8,000 based on survey responses.

Service type	Ohio average	What’s included
Traditional full-service burial	$8,013–$8,800	Basic services fee, embalming, viewing, ceremony, hearse, median-priced casket
Full-service cremation	$5,666	Viewing, ceremony, and cremation with alternative container
Cremation with memorial service	$2,800–$4,800	Cremation plus a separate memorial ceremony
Direct cremation	$2,056 (state average)	Transfer, paperwork, cremation, return of remains — no service
Immediate burial	$995–$4,985	Transfer, casketing, transport to cemetery — no service

Direct cremation is the most affordable funeral option in Ohio, with the state average at $2,056. Low-cost providers in the state advertise direct cremation from as little as $825, which puts Ohio among the more competitive cremation markets in the Midwest.

How Ohio compares nationally

The NFDA national median cost of a funeral with burial is $8,300, and the national median cost of a funeral with cremation is $6,280, based on the most recent General Price List Study. Ohio comes in slightly below the national burial median and roughly in line on cremation. Cemetery fees are separate — a burial plot, opening and closing, and a grave liner typically add $2,000 to $5,000 on top of the funeral home bill, which is why a traditional burial in Central Ohio often lands in the $8,000 to $12,000 range once everything is totaled.

Regional cost variation within Ohio

Ohio’s geography drives a real urban-versus-rural spread, and the pattern is not always what families expect.

Region	Direct cremation range	Cremation with service	Traditional burial pattern
Cleveland metro (Northeast Ohio)	$725–$4,373	$4,000–$7,500	Higher end, corporate-owned funeral homes common
Columbus metro (Central Ohio)	$1,500–$3,500	$5,000–$7,500	$8,000–$12,000 all-in with cemetery
Cincinnati metro (Southwest Ohio)	$1,500–$3,500	$4,500–$7,000	Higher end, strong independent funeral home base
Dayton and smaller metros	$1,000–$2,500	$4,000–$6,000	Closer to state median
Rural Appalachian and NW Ohio	$825–$1,800	$3,500–$5,500	Lowest in the state

The Cleveland market has the widest direct cremation spread in Ohio — survey data collected in 2023 found direct cremation prices in the Cleveland area range from $725 to $4,373, and immediate burial prices range from $995 to $4,985. That roughly six-fold spread between the lowest and highest providers in the same metro is why families shopping funeral homes in any Ohio urban market can save thousands by comparing General Price Lists directly.

What drives Ohio’s cost patterns

Urban metros carry higher overhead and a larger corporate presence, which pushes prices up even where competition is strong. Corporate-owned funeral homes tend to have higher overhead and may charge more for the same basic services, while independently owned funeral homes often have more flexibility in their pricing. Rural counties in Appalachian Ohio and the northwest agricultural belt benefit from lower operating costs and a higher share of independent, family-owned funeral homes, which is why rural Ohio consistently comes in below the state median.

Cremation adoption also matters. Ohio’s cremation rate has climbed steadily and now accounts for a majority of dispositions, which has put downward pressure on direct cremation pricing in competitive markets. Families choosing cremation in Ohio have more pricing options than families choosing traditional burial, and the gap between the cheapest and most expensive providers is wider for cremation than for burial.

For most Ohio seniors, a final expense insurance policy in the $10,000 to $15,000 range covers direct cremation with room to spare, while a policy of $15,000 to $25,000 covers a traditional burial with cemetery costs in most of the state. Families in the Cleveland, Columbus, or Cincinnati metros who want a full traditional service with a vault and a mid-range casket should plan closer to the $15,000 to $20,000 coverage range.

Final Expense Insurance Regulations in Ohio

Ohio’s insurance market is regulated at the state level, and a handful of Ohio-specific rules matter when you’re shopping for burial insurance. The section below covers who regulates the industry, what consumer protections apply, and where Ohio’s rules differ from what seniors see in neighboring states. Knowing these rules helps you compare policies on a fair basis and avoid surprises after a policy is issued.

Who regulates insurance in Ohio

The Ohio Department of Insurance issues regulations for life insurance policies pertaining to free-look time frames, premium payment grace periods, and other features, and enforces the state insurance code. The department handles licensing for agents and insurers, takes consumer complaints through its Insurance Complaint Center, and publishes the Complete Life Guide that Ohio residents can use as a consumer reference. Final expense insurance, which is a small whole life policy, falls under Ohio Revised Code Title 39 and the related administrative rules in Chapter 3901-6 of the Ohio Administrative Code.

The Ohio Life and Health Insurance Guaranty Association (OLHIGA) protects policyholders if an insurer goes insolvent. Coverage is capped at $300,000 for lost death benefits and $100,000 for lost cash surrender value per insured life. Every final expense carrier licensed to sell in Ohio pays into this guaranty fund.

Free look period in Ohio

Ohio is unusual among states on this point. Ohio doesn’t have a mandatory free look period for life insurance policies. Despite no rule requiring it, many life insurance companies licensed to operate in the state do offer a 10-day free look window during which you can cancel your policy and get a refund of your premium.

This is important to understand before you sign: the free look is set by the insurer, not by Ohio law, so the length and terms vary by carrier. Most Ohio insurance companies will give customers a reasonable period — anywhere from seven to 30 days — to change their minds after obtaining life insurance. Before binding a policy, check the front page of the contract for the free look provision and confirm the exact number of days your carrier offers. If you replace an existing policy, most insurers extend the free look to 30 days, which gives you more time to compare the new policy against the one you’re replacing.

Practical rule of thumb: if a final expense agent can’t tell you the free look length on the specific policy they’re selling, that’s a reason to slow down and read the contract yourself.

Grace period and incontestability

A grace period is allowed on all late payments under the Ohio state insurance code. If you miss a premium payment for any reason, all Ohio life insurance providers must give you one month to bring the account current before the insurer can cancel the policy for non-payment. This one-month grace period is set by statute and applies to every final expense policy sold in the state.

Ohio policies are also subject to an incontestability clause. After the policy has been in force for two years, the insurer generally cannot contest the policy or deny a claim based on statements in the application. This matters for final expense because most policies are issued based on health questions rather than a medical exam, and the two-year incontestability window is the outer limit on how far back a carrier can look if a claim is later disputed.

Policy replacement rules

Ohio has specific consumer protections if you replace an existing life insurance policy with a new one. Rule 3901-6-05 of the Ohio Administrative Code regulates the activities of insurers and agents with respect to the replacement of existing life insurance and annuities. The rule requires the replacing agent to ask the applicant whether the new policy will replace existing coverage, notify the existing insurer of the replacement, and provide the applicant with comparison information so the two policies can be reviewed side by side.

Violations — including advising an applicant to respond negatively to any question regarding replacement in order to prevent notice to the existing insurer — are treated as unfair trade practices under Ohio Revised Code 3901.20. If you already have a burial insurance policy and an agent is pushing you to replace it, the replacement rule is there to make sure you have the information you need to decide whether the new policy is actually better.

Graded death benefit rules

Final expense policies sold in Ohio come in three basic underwriting tiers, and the rules around graded death benefits are set at the carrier level rather than by state statute. Level-benefit policies pay the full death benefit from day one and are available to applicants who can answer no to the carrier’s health questions. Graded-benefit policies pay a reduced benefit (often 30% to 40% of the face amount) in year one and a larger percentage in year two, with the full benefit available in year three. Guaranteed-issue policies accept every applicant regardless of health but include a two-year waiting period during which natural-cause deaths pay only a return of premium plus interest.

All three structures are permitted in Ohio. Accidental death is typically covered from day one across all three tiers. Ohio law does not cap the face amount on final expense policies, and most carriers offer coverage between $2,000 and $50,000, with the bulk of Ohio policies written in the $10,000 to $25,000 range.

Consumer protections for Ohio seniors

The Ohio Department of Insurance runs a consumer complaint system that lets you check how many complaints have been filed against any carrier licensed in the state. Before buying a final expense policy, it’s worth looking up the carrier on the department’s website to see the complaint history. The Consumer Protection Section of the Ohio Attorney General’s Office handles insurance fraud complaints separately, which is the right channel if you believe an agent misrepresented a policy or used high-pressure tactics.

Ohio also regulates how funeral-assigned life insurance policies are paid out. If an insurance policy has been issued, sold, or assigned for the purpose of purchasing any funeral or burial goods or services, the insurer shall not pay the benefits of the insurance policy to any provider of such goods or services unless the insurer receives from the provider a certified copy of the certificate of death of the insured and a certificate of completion signed by the provider certifying that the provider has delivered all the goods and performed all the services contracted for (Ohio Revised Code 3905.45). This protects families who pre-assign a final expense policy to a funeral home — the funeral home can’t collect the money until the services are actually delivered.

Funeral and Burial Laws in Ohio

Ohio regulates funerals, burials, and cremations through a combination of the Ohio Revised Code, the Ohio Administrative Code, and the Ohio Board of Embalmers and Funeral Directors. The rules below cover the practical steps families will encounter — death certificates, burial permits, embalming, cremation waiting periods, and green burial — and where Ohio’s laws differ from neighboring states. Knowing these rules helps families avoid delays and make informed decisions about final arrangements.

Death certificate filing

In Ohio, every death must be recorded with the local registrar of vital statistics before final disposition of the body. The funeral director or other person in charge of the body must present the death certificate to the last attending physician who treated the deceased person for the illness or condition that resulted in death. The physician has 48 hours to complete the certificate and return it.

If the death didn’t occur under natural causes, the county coroner or medical examiner certifies the cause of death instead of the attending physician. The funeral director then files the completed certificate with the local registrar. When a funeral director files a provisional death certificate to secure a burial or burial-transit permit, the funeral director shall file a satisfactory and complete death certificate within five days after the date of death.

Ohio vital records are considered public, though the deceased’s Social Security number only appears on certified copies issued to authorized requestors — spouse, child, grandchild, parent, sibling, or a few other listed relatives under Ohio Revised Code 3705.23. Most families need 10 or more certified copies to settle an estate, file life insurance claims, and transfer Social Security benefits. The funeral home can order these copies at the time of death, which is usually easier than ordering them later through the Ohio Department of Health.

Burial permit requirements

Ohio requires a burial permit before any disposition — burial, entombment, or cremation — can take place. The body of a person whose death occurs in this state shall not be interred, deposited in a vault or tomb, cremated, or otherwise disposed of by a funeral director until a burial permit is issued by a local registrar or sub-registrar of vital statistics. No such permit shall be issued by a local registrar or sub-registrar until a satisfactory death, fetal death, or provisional death certificate is filed with the local registrar or sub-registrar.

The burial permit covers both burial and cremation — Ohio does not issue a separate cremation permit. The permit fee is $10, paid to the local registrar, with most of the fee going to the Ohio cemetery registration fund. Cemeteries and crematories are required to keep the permit on file and maintain a public record of every disposition.

One important limitation: a burial permit authorizing cremation shall not be issued upon the filing of a provisional certificate of death. If the cause of death is still under review, cremation has to wait until the death certificate is finalized. Burial can proceed on a provisional certificate, but cremation cannot.

Embalming rules

Ohio does not require embalming. In Ohio, there are no laws or regulations requiring embalming. The only time embalming becomes functionally necessary is when there’s a delay between death and disposition and refrigeration is not available. The Federal Trade Commission’s Funeral Rule prohibits funeral homes from telling you embalming is required by law when it isn’t — that’s a federal protection that applies in every state, and it’s one of the most common misrepresentations consumers run into.

For a traditional open-casket viewing, most funeral homes will recommend embalming as a practical matter, but it remains a choice rather than a legal requirement. Families who choose direct cremation, immediate burial, or a closed-casket service can skip embalming entirely and save $500 to $800 on a typical Ohio funeral bill.

Cremation authorization and waiting period

Ohio requires a 24-hour waiting period before cremation can occur. In Ohio, the burial permit also authorizes cremation — no additional permit is necessary. There is, however, a required waiting period of 24 hours before cremation may occur, unless it is waived by the board of health due to communicable disease. The 24-hour window gives time for the death certificate to be finalized and for any concerns about cause of death to be resolved.

Ohio also requires a separate cremation authorization form signed by the authorizing agent — typically the surviving spouse, adult child, or other next of kin in the order established by Ohio Revised Code 2108.81. The authorization form must identify the decedent, name the authorizing agent and their relationship, and include disclosures about medical devices like pacemakers that need to be removed before cremation. These rules are set out in Ohio Revised Code 4717.24.

Home funeral legality

Ohio allows home funerals. In all states, it is legal to have your loved one’s body at home after they die. Ohio doesn’t require you to involve a licensed funeral director in making or carrying out final arrangements. The family member handling final arrangements is responsible for filing the death certificate, obtaining the burial permit, and arranging transport to the burial site or crematory. Some crematories will only accept bodies from licensed funeral directors, so families planning a home funeral with cremation should confirm the crematory’s policy in advance.

Home funerals are uncommon in Ohio but legal, and the National Home Funeral Alliance provides guidance for families who want to handle their own arrangements. Refrigeration or dry ice is the standard way to preserve the body during a home funeral, since embalming is not required.

Home burial and green burial

Home burial on private property is legal in Ohio, subject to county zoning rules and local health department approval. Rural counties are generally more permissive than urban or suburban counties, and families considering home burial should check with their county zoning office before making plans. The burial must still be recorded with the county for land-use purposes, and it may affect future property sales.

Green burial — burial without embalming, metal caskets, or concrete vaults — is legal in Ohio and growing in availability. Ohio has five natural burial sites — two are dedicated conservation burial grounds, and three are hybrid cemeteries (traditional cemeteries with designated natural burial sections). The cost of a natural burial in Ohio typically runs $1,500 to $5,000, meaningfully less than a traditional burial with a vault and casket.

The legal status of alkaline hydrolysis (sometimes called aquamation or water cremation) in Ohio has been the subject of litigation and regulatory dispute, and consumers interested in this option should confirm current availability with the Ohio Board of Embalmers and Funeral Directors or with a licensed Ohio funeral director before making plans. Some providers currently transport remains to neighboring states for the process.

Burial at sea

Ohio borders Lake Erie but not an ocean, so burial at sea in the traditional federal sense is not a local option. Scattering of cremated remains in Lake Erie is permitted and popular — services range from unattended scatterings around $125 to attended scatterings around $450 for small groups. Lake Erie scattering is a popular choice for Ohio families. Unattended Lake Erie scatterings start at around $125, while attended scatterings for up to 6 people cost approximately $450. For ocean burial at sea, Ohio families typically work with providers in coastal states under federal EPA rules.

The Ohio Board of Embalmers and Funeral Directors

The Ohio Board of Embalmers and Funeral Directors is the state agency that licenses and regulates funeral directors, embalmers, funeral homes, and crematories. The Ohio Board of Embalmers and Funeral Directors was established in 1902 to protect consumers and regulate funeral and cremation services to ensure competency and ethical behavior in the field. The board handles consumer complaints about funeral homes, investigates violations of the FTC Funeral Rule at the state level, and takes disciplinary action against licensees who violate Ohio Revised Code Chapter 4717.

Before choosing a funeral home, Ohio families can check the board’s public records to verify that the funeral director and the funeral home are properly licensed and to see whether any complaints or disciplinary actions are on file. A burial life insurance policy is only as useful as the funeral home that ultimately provides the services, so vetting the provider is worth the time.

Regions and Major Metros in Ohio

Ohio is commonly divided into five regions — Northeast, Northwest, Central, Southwest, and Southeast — and the state’s three largest metros (Cleveland, Columbus, and Cincinnati) collectively account for more than half of Ohio’s population. The section below covers the regional breakdown, the top metros by population, and the demographic patterns that shape final expense insurance demand across the state. Understanding the region you live in helps orient you to the county page that covers your specific area.

The five regions of Ohio

Ohio’s regional divisions are both geographic and cultural. The five Ohios are “Northeast,” “Northwest,” “Central,” “Southeast,” and “Southwest” Ohio. Each region has its own identity, economic base, and relationship to the state’s broader population patterns.

Northeast Ohio is anchored by Cleveland and Akron and stretches from the Lake Erie shoreline south through the industrial belt and east into Amish country. Northeast Ohio (including Cleveland) is the most populous part of the state. The region’s identity is shaped by its industrial history, ethnic neighborhoods, and the Cleveland Clinic’s dominant role in healthcare.

Central Ohio revolves around Columbus, the state capital and fastest-growing metro in Ohio. The region carries the state’s largest concentration of finance, insurance, healthcare, and higher-education employment, with Ohio State University as a major economic engine. Central Ohio is surrounded by fertile farmland and is demographically younger than the rest of the state.

Southwest Ohio centers on Cincinnati and Dayton, with the Miami Valley running between them. Cincinnati anchors a metro that extends into Kentucky and Indiana, and the region hosts Fortune 500 headquarters including Procter & Gamble, Kroger, and Fifth Third Bank, along with Wright-Patterson Air Force Base near Dayton — one of the largest military installations in the Midwest.

Northwest Ohio is anchored by Toledo and stretches across the flat agricultural plains that were once the Great Black Swamp. Toledo and Lima are the major cities in Northwest Ohio, an area known for its glass-making industry. The region is the most agriculturally intensive part of the state.

Southeast Ohio is Ohio’s Appalachian region, running along the Ohio River from the West Virginia Panhandle toward Cincinnati. Ohio’s rugged southeastern quadrant, stretching in an outward bow-like arc along the Ohio River from the West Virginia Panhandle to the outskirts of Cincinnati, forms a distinct socioeconomic unit. Geologically similar to parts of West Virginia and southwestern Pennsylvania, this area’s coal mining legacy, dependence on small pockets of old manufacturing establishments, and distinctive Appalachian heritage make it the region most different from the rest of Ohio. It’s also the region with the oldest population and the highest rate of seniors aging in place.

How Ohio’s 88 counties group by region

Region	Counties
Northeast Ohio	Ashtabula, Carroll, Columbiana, Cuyahoga, Geauga, Holmes, Lake, Lorain, Mahoning, Medina, Portage, Stark, Summit, Trumbull, Tuscarawas, Wayne
Central Ohio	Delaware, Fairfield, Fayette, Franklin, Hocking, Knox, Licking, Logan, Madison, Marion, Morrow, Pickaway, Ross, Union
Southwest Ohio	Adams, Brown, Butler, Champaign, Clark, Clermont, Clinton, Darke, Greene, Hamilton, Highland, Miami, Montgomery, Preble, Shelby, Warren
Northwest Ohio	Allen, Auglaize, Crawford, Defiance, Erie, Fulton, Hancock, Hardin, Henry, Huron, Lucas, Mercer, Ottawa, Paulding, Putnam, Richland, Sandusky, Seneca, Van Wert, Williams, Wood, Wyandot
Southeast Ohio	Athens, Belmont, Coshocton, Gallia, Guernsey, Harrison, Jackson, Jefferson, Lawrence, Meigs, Monroe, Morgan, Muskingum, Noble, Perry, Pike, Scioto, Vinton, Washington

Regional boundaries are not rigid — a few counties sit on the edge of two regions and get grouped differently depending on the source. The table above follows the Bliss Institute’s “Five Ohios” framework, which is the most commonly cited regional division for the state.

Top Ohio metros by population

Ohio’s metropolitan areas are concentrated in four corners and the center of the state, with Columbus, Cleveland, and Cincinnati — the “three C’s” — dominating both population and economic activity.

Metro area	2023 population	Anchor counties
Cleveland-Elyria MSA	~2.05 million	Cuyahoga, Lake, Lorain, Medina, Geauga
Cincinnati MSA (OH portion)	~2.27 million (tri-state)	Hamilton, Butler, Warren, Clermont
Columbus MSA	~2.18 million	Franklin, Delaware, Licking, Fairfield, Pickaway, Union, Madison, Morrow, Hocking, Perry
Dayton MSA	~812,000	Montgomery, Greene, Miami, Preble
Akron MSA	~700,000	Summit, Portage
Toledo MSA	~642,000	Lucas, Wood, Ottawa, Fulton
Youngstown-Warren MSA	~536,000	Mahoning, Trumbull, Columbiana

As of 2023, the largest of these is the Cleveland-Akron-Canton, OH CSA, comprising Cleveland and other cities in the northeast region of the state. When combined statistical areas are used instead of MSAs, the Cleveland-Akron-Canton CSA is the largest in Ohio, followed by the Columbus-Marion-Zanesville CSA and then the Cincinnati CSA.

The top 10 largest Ohio counties in 2024 were: Franklin (1,356,303), Cuyahoga (1,240,594), Hamilton (837,859), Summit (538,370), Montgomery (537,443), Lucas (426,291), Butler (399,542), Stark (374,091), Lorain (322,030), and Warren (256,059). These ten counties alone hold more than 60% of Ohio’s total population.

Metro-to-county clustering

Each major Ohio metro is built around a core county plus suburban and exurban counties that fall under the same economic and healthcare system:

• Cleveland metro: Cuyahoga (core) + Lake, Lorain, Medina, Geauga, Portage, Summit (combined CSA)
• Columbus metro: Franklin (core) + Delaware, Licking, Fairfield, Pickaway, Union, Madison, Morrow
• Cincinnati metro (OH side): Hamilton (core) + Butler, Warren, Clermont
• Dayton metro: Montgomery (core) + Greene, Miami, Preble
• Akron metro: Summit (core) + Portage (often grouped into the Cleveland CSA)
• Toledo metro: Lucas (core) + Wood, Ottawa, Fulton
• Youngstown metro: Mahoning (core) + Trumbull, Columbiana

This clustering matters for final expense shoppers because funeral costs, cemetery options, and available funeral homes typically follow the metro rather than the county. A family in Delaware County, for example, will usually work with Columbus-area funeral homes even though they’re in a separate county from Franklin.

Ohio’s senior population and aging patterns

Ohio is one of the older-skewing states in the country and the senior population is growing fast. Ohio is home to more than 2.2 million people 65 and older, and senior citizens now outnumber children in more than a quarter of Ohio’s counties, according to new Census data. The state’s senior population increased by more than 10% between 2020 and 2024, and the median age of residents has risen in most of its counties.

The aging pattern is uneven across the state. In 25 Ohio counties, there are more older residents than there are children. This includes Cuyahoga County (home to Cleveland); Stark County (home to Canton); and Summit County (home to Akron). Rural Southeast Ohio counties and older industrial counties in Northeast Ohio carry the highest senior shares, while Central Ohio counties around Columbus run younger because of continued in-migration.

Ohio ranks No. 6 in the United States for its older adult population. By 2034, the number of individuals over the age of 65 will grow 28 times larger than any other population in Ohio. Looking further out, between 2020 and 2040, projections indicate that Ohio’s total population will barely budge, but the share of residents 60 and older will climb to 25%, and the 85-plus group will jump by about 51%.

Ohio also has a meaningful military retiree population, concentrated near Wright-Patterson Air Force Base in the Dayton area and in the Cleveland and Columbus metros. The state’s veteran share of the 60+ population is roughly 15%, which is above the national average and reflects both Ohio’s long manufacturing and industrial workforce and its strong military retirement presence. This shapes final expense demand across the state, particularly in Southwest Ohio and in the small-city and rural counties of Appalachian Ohio where retiree populations are dense and traditional burial preferences remain stronger than in the urban metros.

Counties We Serve in Ohio

Ohio has 88 counties, and Palmetto Mutual serves final expense clients across every one of them. The directory below is a complete alphabetical list of Ohio counties — from the Lake Erie shoreline down through Central Ohio to the Ohio River border — so you can navigate directly to the county page covering your area. Each county page includes local funeral cost data, cemetery options, and county-specific details that help you choose the right burial insurance coverage for where you live.

• Adams County
• Allen County
• Ashland County
• Ashtabula County
• Athens County
• Auglaize County
• Belmont County
• Brown County
• Butler County
• Carroll County
• Champaign County
• Clark County
• Clermont County
• Clinton County
• Columbiana County
• Coshocton County
• Crawford County
• Cuyahoga County
• Darke County
• Defiance County
• Delaware County
• Erie County
• Fairfield County
• Fayette County
• Franklin County
• Fulton County
• Gallia County
• Geauga County
• Greene County
• Guernsey County
• Hamilton County
• Hancock County
• Hardin County
• Harrison County
• Henry County
• Highland County
• Hocking County
• Holmes County
• Huron County
• Jackson County
• Jefferson County
• Knox County
• Lake County
• Lawrence County
• Licking County
• Logan County
• Lorain County
• Lucas County
• Madison County
• Mahoning County
• Marion County
• Medina County
• Meigs County
• Mercer County
• Miami County
• Monroe County
• Montgomery County
• Morgan County
• Morrow County
• Muskingum County
• Noble County
• Ottawa County
• Paulding County
• Perry County
• Pickaway County
• Pike County
• Portage County
• Preble County
• Putnam County
• Richland County
• Ross County
• Sandusky County
• Scioto County
• Seneca County
• Shelby County
• Stark County
• Summit County
• Trumbull County
• Tuscarawas County
• Union County
• Van Wert County
• Vinton County
• Warren County
• Washington County
• Wayne County
• Williams County
• Wood County
• Wyandot County

Frequently Asked Questions