Home Insurance in Minerva, Ohio
The median home value in Minerva is $124,400, 33% lower than the Stark County median.
The typical home in Minerva was built around 1955. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 65% of homes were built before 1960, about 23 points above Stark County's 43%.
In Minerva, the housing stock is 68% single-family homes, 2% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Minerva carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Minerva has an owner-occupancy rate of 55% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
72% of homes in Minerva 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 | $124,400 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)