Home Insurance in Navarre, Ohio
With a median home value of $146,000, Navarre is 22% lower than the Stark County median.
The typical home in Navarre was built around 1946. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 30 points above Stark County's 43%.
Housing in Navarre breaks down to 72% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Navarre, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Navarre are owner-occupied.
80% of homes in Navarre are primarily heated with natural gas.
What's the biggest home insurance risk near Navarre? 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.
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 | $146,000 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)