Home Insurance in Poland, Ohio
The median home value in Poland is $199,700, 29% higher than the Mahoning County median.
The typical home in Poland was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 27 points above Mahoning County's 46%.
Housing in Poland breaks down to 93% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Poland, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Poland has an owner-occupancy rate of 87% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Poland - 91% - are primarily heated with natural gas.
What's the biggest home insurance risk near Poland? FEMA's National Risk Index points to hail (Relatively High) in Mahoning County and Mahoning County had 168 active NFIP flood policies as of September 2026. See the full Mahoning County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $199,700 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)