Home Insurance in Louisville, Ohio
With a median home value of $193,100, Louisville is close to the Stark County median.
The typical home in Louisville was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 12 points below Stark County's 43%.
The housing stock in Louisville is 71% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Louisville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Louisville has an owner-occupancy rate of 66% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Louisville, 79% of homes 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.
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 | $193,100 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)