Home Insurance in Carrollton, Ohio
The median home value in Carrollton is $138,000, 25% lower than the Carroll County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Carrollton was built around 1952. About 61% of homes were built before 1960, about 26 points above Carroll County's 35%.
The housing stock in Carrollton is 74% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Carrollton, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Carrollton has an owner-occupancy rate of 74% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
82% of homes in Carrollton are primarily heated with natural gas.
What's the biggest home insurance risk near Carrollton? FEMA's National Risk Index points to hail (Relatively Low) in Carroll County and Carroll County had 59 active NFIP flood policies as of September 2026. See the full Carroll County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $138,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Carroll County | 59 |
| 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)