Home Insurance in Wilmot, Ohio
Homes in Wilmot carry a median value of $125,000 - 33% lower than the Stark County median.
The median home in Wilmot was built in 1939 or earlier. About 78% of homes were built before 1960, about 35 points above Stark County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Wilmot is 92% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 72% of owner-occupied homes in Wilmot have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wilmot has an owner-occupancy rate of 66% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Wilmot - 90% - are primarily heated with natural gas.
Stark County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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 | $125,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)