Home Insurance in Sparta, Ohio
The median home value in Sparta is $125,000, 44% lower than the Morrow County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Sparta was built around 1953. About 54% of homes were built before 1960, about 26 points above Morrow County's 28%.
The housing stock in Sparta is 54% single-family homes and 33% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Sparta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Sparta are owner-occupied.
Most homes in Sparta - 100% - are primarily heated with natural gas.
Morrow County had 29 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Morrow 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 | $125,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Morrow County | 29 |
| 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)