Home Insurance in Roswell, Ohio
Homes in Roswell carry a median value of $95,000 - 49% lower than the Tuscarawas County median.
The median home in Roswell was built in 1939 or earlier. About 73% of homes were built before 1960, about 31 points above Tuscarawas County's 41%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Roswell, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
65% of owner-occupied homes in Roswell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Roswell has an owner-occupancy rate of 79% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 38% of homes in Roswell are primarily heated with fuel oil.
Tuscarawas County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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 | $95,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)