Home Insurance in Stow, Ohio
The median home value in Stow is $248,000, 19% higher than the Summit County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Stow was built around 1979. About 17% of homes were built before 1960, about 25 points below Summit County's 43%.
The housing stock in Stow is 76% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Stow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stow has an owner-occupancy rate of 72% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
85% of homes in Stow are primarily heated with natural gas.
Summit County had 971 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 | $248,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)