Home Insurance in Baltic, Ohio
With a median home value of $120,600, Baltic is 35% lower than the Tuscarawas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Baltic was built around 1958. About 51% of homes were built before 1960, about 10 points above Tuscarawas County's 41%.
The housing stock in Baltic is 75% single-family homes and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Baltic carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Baltic has an owner-occupancy rate of 68% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
80% of homes in Baltic are primarily heated with natural gas.
What's the biggest home insurance risk near Baltic? FEMA's National Risk Index points to hail (Relatively Moderate) in Tuscarawas County and Tuscarawas County had 225 active NFIP flood policies as of September 2026. See the full Tuscarawas County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $120,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Tuscarawas County | 225 |
| 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)