Home Insurance in Beach City, Ohio
With a median home value of $130,700, Beach City is 30% lower than the Stark County median.
The median home in Beach City was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 22 points above Stark County's 43%.
The housing stock in Beach City is 67% single-family homes, 14% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Beach City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Beach City has an owner-occupancy rate of 62% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
72% of homes in Beach City are primarily heated with natural gas.
Stark County had 414 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Stark County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $130,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)