Home Insurance in Hubbard, Ohio
With a median home value of $140,100, Hubbard is close to the Trumbull County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hubbard was built around 1965. About 44% of homes were built before 1960, in line with Trumbull County (44%).
The housing stock in Hubbard is 77% single-family homes and 16% apartments in buildings with 5+ units.
About 62% of owner-occupied homes in Hubbard have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hubbard has an owner-occupancy rate of 73% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Hubbard - 90% - are primarily heated with natural gas.
Trumbull County had 357 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Trumbull 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 | $140,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)