HomeInsuranceQts

Home Insurance in Struthers, Ohio

With a median home value of $100,100, Struthers is 35% lower than the Mahoning County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Struthers was built around 1950. About 71% of homes were built before 1960, about 25 points above Mahoning County's 46%.

In Struthers, the housing stock is 89% single-family homes and 4% apartments in buildings with 5+ units.

In Struthers, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 69% of occupied homes in Struthers are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Struthers - 90% - are primarily heated with natural gas.

FEMA rates Mahoning County's overall risk as Relatively Moderate, led by hail (Relatively High). 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.

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$100,100
Median year built1950
Owner-occupied share69%
Share of owner-occupied homes with a mortgage55%
Top county hazardHail (Relatively High)
Active NFIP policies in Mahoning County168
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Struthers, OH

Nearby towns

Sources

Data last updated: 2026-09-29