Home Insurance in East Sparta, Ohio
With a median home value of $136,400, East Sparta is 27% lower than the Stark County median.
The typical home in East Sparta was built around 1945. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 75% of homes were built before 1960, about 32 points above Stark County's 43%.
In East Sparta, the housing stock is 91% single-family homes and 2% apartments in buildings with 5+ units.
59% of owner-occupied homes in East Sparta carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
East Sparta has an owner-occupancy rate of 86% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
90% of homes in East Sparta are primarily heated with natural gas.
What's the biggest home insurance risk near East Sparta? 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.
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 | $136,400 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)