Home Insurance in Twinsburg, Ohio
Homes in Twinsburg carry a median value of $318,800 - 53% higher than the Summit County median.
The typical home in Twinsburg was built around 1991. About 15% of homes were built before 1960, about 27 points below Summit County's 43%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Twinsburg, the housing stock is 82% single-family homes and 14% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Twinsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Twinsburg has an owner-occupancy rate of 79% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Twinsburg, 87% of homes 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 | $318,800 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)