Home Insurance in Tuscarawas County, Ohio
Homes in Tuscarawas County carry a median value of $185,400 - 14% lower than the Ohio median.
The typical home in Tuscarawas County was built around 1971. About 41% of homes were built before 1960, about 4 points above Ohio's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Tuscarawas County is 76% single-family homes, 6% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tuscarawas County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tuscarawas County has an owner-occupancy rate of 69% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Tuscarawas County - 64% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Tuscarawas County's top hazards are hail (Relatively Moderate), inland flooding (Relatively Moderate) and winter weather (Relatively Moderate).
Tuscarawas County had 225 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $185,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 225 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Baltic
- Barnhill
- Bolivar
- Dennison
- Dover
- Gnadenhutten
- Midvale
- Mineral City
- New Philadelphia
- Newcomerstown
- Parral
- Port Washington
- Roswell
- Stone Creek
- Strasburg
- Sugarcreek
- Tuscarawas
- Uhrichsville
- Zoar
Sources
- 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)