Home Insurance in Sebring, Ohio
The median home value in Sebring is $90,300, 42% lower than the Mahoning County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sebring was built around 1961. About 49% of homes were built before 1960, about 2 points above Mahoning County's 46%.
Housing in Sebring breaks down to 65% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 54% of owner-occupied homes in Sebring have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Sebring are owner-occupied.
In Sebring, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sebring? 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 | $90,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)