Home Insurance in Clinton, Ohio
With a median home value of $185,000, Clinton is 11% lower than the Summit County median.
The typical home in Clinton was built around 1954. About 62% of homes were built before 1960, about 20 points above Summit County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Clinton is 99% single-family homes.
In Clinton, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clinton has an owner-occupancy rate of 89% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Clinton, 76% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Summit County's overall risk as Relatively Moderate, led by hail (Relatively High). Summit County had 971 active NFIP flood policies as of September 2026. See the full Summit 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 | $185,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Summit County | 971 |
| 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)