Home Insurance in Youngstown, Ohio
The median home value in Youngstown is $63,300, 59% lower than the Mahoning County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Youngstown was built around 1950. About 72% of homes were built before 1960, about 26 points above Mahoning County's 46%.
Housing in Youngstown breaks down to 80% single-family homes and 13% apartments in buildings with 5+ units.
About 39% of owner-occupied homes in Youngstown 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 56% of occupied homes in Youngstown are owner-occupied.
84% of homes in Youngstown 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 | $63,300 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)