Home Insurance in Craig Beach, Ohio
Homes in Craig Beach carry a median value of $164,000 - 6% higher than the Mahoning County median.
The typical home in Craig Beach was built around 1960. About 51% of homes were built before 1960, about 5 points above Mahoning County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Craig Beach is 95% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 47% of owner-occupied homes in Craig Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Craig Beach are owner-occupied.
91% of homes in Craig Beach are primarily heated with natural gas.
Mahoning County had 168 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Mahoning 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 | $164,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Mahoning County | 168 |
| 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)