Home Insurance in Hills and Dales, Ohio
Homes in Hills and Dales carry a median value of $495,800 - 166% higher than the Stark County median.
The typical home in Hills and Dales was built around 1955. About 76% of homes were built before 1960, about 33 points above Stark County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Hills and Dales breaks down to 100% single-family homes.
About 41% of owner-occupied homes in Hills and Dales have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hills and Dales has an owner-occupancy rate of 99% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
90% of homes in Hills and Dales are primarily heated with natural gas.
What's the biggest home insurance risk near Hills and Dales? 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.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $495,800 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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)