Home Insurance in Tuscarawas, Ohio
Homes in Tuscarawas carry a median value of $158,200 - 15% lower than the Tuscarawas County median.
The typical home in Tuscarawas was built around 1992. About 26% of homes were built before 1960, about 16 points below Tuscarawas County's 41%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Tuscarawas, the housing stock is 68% single-family homes, 9% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Tuscarawas, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tuscarawas has an owner-occupancy rate of 70% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tuscarawas, 66% 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $158,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)