Home Insurance in Stone Creek, Ohio
Homes in Stone Creek carry a median value of $108,300 - 42% lower than the Tuscarawas County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Stone Creek was built in 1939 or earlier. About 90% of homes were built before 1960, about 48 points above Tuscarawas County's 41%.
Housing in Stone Creek breaks down to 100% single-family homes.
In Stone Creek, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Stone Creek has an owner-occupancy rate of 91% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Stone Creek, 78% of homes are primarily heated with natural gas.
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.
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 | $108,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)