Home Insurance in Mahoning County, Ohio
With a median home value of $154,700, Mahoning County is 28% lower than the Ohio median.
The typical home in Mahoning County was built around 1963. About 46% of homes were built before 1960, about 9 points above Ohio's 38%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Mahoning County, the housing stock is 81% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 52% of owner-occupied homes in Mahoning County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Mahoning County are owner-occupied.
In Mahoning County, 78% of homes are primarily heated with natural gas.
The top hazards for Mahoning County, per FEMA's National Risk Index, are hail (Relatively High), strong wind (Relatively High) and tornado (Relatively High).
As of September 2026, Mahoning County has 168 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $154,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively High), Tornado (Relatively High) |
| Active NFIP flood policies (county) | 168 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)