Home Insurance in Garrettsville, Ohio
With a median home value of $191,000, Garrettsville is 16% lower than the Portage County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Garrettsville was built around 1957. About 52% of homes were built before 1960, about 26 points above Portage County's 26%.
In Garrettsville, the housing stock is 73% single-family homes and 18% apartments in buildings with 5+ units.
In Garrettsville, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Garrettsville has an owner-occupancy rate of 67% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
78% of homes in Garrettsville are primarily heated with natural gas.
FEMA rates Portage County's overall risk as Relatively Low, led by hail (Relatively Moderate). Portage County had 200 active NFIP flood policies as of September 2026. See the full Portage 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 | $191,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Portage County | 200 |
| 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)