Home Insurance in Hiram, Ohio
The median home value in Hiram is $223,400, close to the Portage County median.
The typical home in Hiram was built around 1943. About 69% of homes were built before 1960, about 43 points above Portage County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hiram breaks down to 74% single-family homes and 24% apartments in buildings with 5+ units.
In Hiram, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hiram has an owner-occupancy rate of 54% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Hiram - 83% - are primarily heated with natural gas.
Portage County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $223,400 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)