Home Insurance in Grover Hill, Ohio
With a median home value of $70,900, Grover Hill is 50% lower than the Paulding County median.
The typical home in Grover Hill was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 44% of homes were built before 1960, about 10 points above Paulding County's 34%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Grover Hill is 72% single-family homes and 25% mobile or manufactured homes.
About 45% of owner-occupied homes in Grover Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Grover Hill has an owner-occupancy rate of 76% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Grover Hill, 42% of homes are primarily heated with propane.
What's the biggest home insurance risk near Grover Hill? FEMA's National Risk Index points to hail (Relatively Low) in Paulding County and Paulding County had 53 active NFIP flood policies as of September 2026. See the full Paulding 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 | $70,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Paulding County | 53 |
| 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)