Home Insurance in Gnadenhutten, Ohio
With a median home value of $117,900, Gnadenhutten is 36% lower than the Tuscarawas County median.
The typical home in Gnadenhutten was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 60% of homes were built before 1960, about 19 points above Tuscarawas County's 41%.
Housing in Gnadenhutten breaks down to 90% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 63% of owner-occupied homes in Gnadenhutten have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 83% of occupied homes in Gnadenhutten are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gnadenhutten - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Gnadenhutten? 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 | $117,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 83% |
| 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)