Home Insurance in Stark County, Ohio
With a median home value of $186,400, Stark County is 13% lower than the Ohio median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stark County was built around 1966. About 43% of homes were built before 1960, about 5 points above Ohio's 38%.
The housing stock in Stark County is 79% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
60% of owner-occupied homes in Stark County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Stark County are owner-occupied.
77% of homes in Stark County are primarily heated with natural gas.
FEMA's National Risk Index lists hail (Relatively High), inland flooding (Relatively Moderate) and winter weather (Relatively High) as the leading hazards for Stark County.
Stark County had 414 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $186,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Inland Flooding (Relatively Moderate), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 414 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Alliance
- Beach City
- Brewster
- Canal Fulton
- Canton
- East Canton
- East Sparta
- Hartville
- Hills and Dales
- Louisville
- Magnolia
- Massillon
- Meyers Lake
- Minerva
- Navarre
- North Canton
- Waynesburg
- Wilmot
Sources
- 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)