Home Insurance in Hartville, Ohio
Homes in Hartville carry a median value of $266,900 - 43% higher than the Stark County median.
The typical home in Hartville was built around 1977. About 26% of homes were built before 1960, about 17 points below Stark County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hartville breaks down to 71% single-family homes and 19% apartments in buildings with 5+ units.
48% of owner-occupied homes in Hartville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Hartville are owner-occupied.
84% of homes in Hartville are primarily heated with natural gas.
FEMA rates Stark County's overall risk as Relatively Moderate, led by hail (Relatively High). 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 | $266,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)