Home Insurance in Polk, Ohio
With a median home value of $132,700, Polk is 29% lower than the Ashland County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Polk was built in 1939 or earlier. About 79% of homes were built before 1960, about 36 points above Ashland County's 43%.
In Polk, the housing stock is 92% single-family homes and 2% mobile or manufactured homes.
65% of owner-occupied homes in Polk carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 88% of occupied homes in Polk are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Polk, 88% of homes are primarily heated with natural gas.
FEMA rates Ashland County's overall risk as Relatively Low, led by hail (Relatively Moderate). Ashland County had 91 active NFIP flood policies as of September 2026. See the full Ashland County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $132,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Ashland County | 91 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)