Home Insurance in Alliance, Ohio
The median home value in Alliance is $125,400, 33% lower than the Stark County median.
The typical home in Alliance was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 22 points above Stark County's 43%.
In Alliance, the housing stock is 73% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Alliance, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 51% of occupied homes in Alliance are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Alliance are primarily heated with natural gas.
What's the biggest home insurance risk near Alliance? FEMA's National Risk Index points to hail (Relatively High) in Stark County and Stark County had 414 active NFIP flood policies as of September 2026. See the full Stark 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 | $125,400 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Stark County | 414 |
| 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)