Home Insurance in Dover, Ohio
The median home value in Dover is $193,700, close to the Tuscarawas County median.
The typical home in Dover was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 44% of homes were built before 1960, about 2 points above Tuscarawas County's 41%.
In Dover, the housing stock is 72% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Dover, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dover has an owner-occupancy rate of 60% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Dover - 80% - are primarily heated with natural gas.
FEMA rates Tuscarawas County's overall risk as Relatively Low, led by hail (Relatively Moderate). 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.
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 | $193,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)