Home Insurance in Mansfield, Ohio
The median home value in Mansfield is $119,600, 27% lower than the Richland County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Mansfield was built around 1959. About 52% of homes were built before 1960, about 9 points above Richland County's 43%.
In Mansfield, the housing stock is 66% single-family homes, 16% apartments in buildings with 5+ units and 3% 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.
49% of owner-occupied homes in Mansfield carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mansfield has an owner-occupancy rate of 50% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
73% of homes in Mansfield are primarily heated with natural gas.
Richland County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Richland County had 126 active NFIP flood policies as of September 2026. See the full Richland 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 | $119,600 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Richland County | 126 |
| 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)