Home Insurance in Zoar, Ohio
The median home value in Zoar is $171,900, 7% lower than the Tuscarawas County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Zoar was built in 1939 or earlier. About 67% of homes were built before 1960, about 26 points above Tuscarawas County's 41%.
In Zoar, the housing stock is 100% single-family homes.
About 68% of owner-occupied homes in Zoar have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Zoar has an owner-occupancy rate of 94% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Zoar - 87% - 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 | $171,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)