Home Insurance in Mineral City, Ohio
Homes in Mineral City carry a median value of $94,400 - 49% lower than the Tuscarawas County median.
The median home in Mineral City was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 16 points above Tuscarawas County's 41%.
The housing stock in Mineral City is 86% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
51% of owner-occupied homes in Mineral City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mineral City has an owner-occupancy rate of 66% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
83% of homes in Mineral City are primarily heated with natural gas.
Tuscarawas County had 225 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Tuscarawas 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 | $94,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)