Home Insurance in New Philadelphia, Ohio
Homes in New Philadelphia carry a median value of $169,500 - 9% lower than the Tuscarawas County median.
The typical home in New Philadelphia was built around 1961. About 50% of homes were built before 1960, about 8 points above Tuscarawas County's 41%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in New Philadelphia is 73% single-family homes, 5% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In New Philadelphia, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
New Philadelphia has an owner-occupancy rate of 63% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in New Philadelphia - 78% - 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.
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 | $169,500 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)