Home Insurance in Girard, Ohio
The median home value in Girard is $115,500, 19% lower than the Trumbull County median.
The typical home in Girard was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 16 points above Trumbull County's 44%.
Housing in Girard breaks down to 80% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Girard, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Girard are owner-occupied.
In Girard, 92% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Girard? FEMA's National Risk Index points to strong wind (Relatively High) in Trumbull County and Trumbull County had 357 active NFIP flood policies as of September 2026. See the full Trumbull 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 | $115,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Trumbull County | 357 |
| 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)