Home Insurance in New Middletown, Ohio
The median home value in New Middletown is $173,300, 12% higher than the Mahoning County median.
The typical home in New Middletown was built around 1969. About 33% of homes were built before 1960, about 13 points below Mahoning County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in New Middletown breaks down to 78% single-family homes, 5% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In New Middletown, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in New Middletown are owner-occupied.
In New Middletown, 77% of homes 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.
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 | $173,300 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)