Home Insurance in Mogadore, Ohio
The median home value in Mogadore is $181,900, 13% lower than the Summit County median.
The typical home in Mogadore was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 6 points above Summit County's 43%.
Housing in Mogadore breaks down to 92% single-family homes and 7% apartments in buildings with 5+ units.
65% of owner-occupied homes in Mogadore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mogadore has an owner-occupancy rate of 88% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Mogadore - 86% - are primarily heated with natural gas.
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.
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 | $181,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)