Quick answer

Start with the city or village your property is legally located in, not just the metro area it’s associated with. A number of Ohio’s high-value communities are small, independent municipalities surrounded by a larger city, Hills and Dales inside Canton or Grandview Heights near Columbus are good examples, and the specific municipality can affect school district, local ordinances, and sometimes even how a claim gets processed.

If you’re genuinely unsure, your property tax bill or county auditor’s website will list your exact municipality. When in doubt, reach out directly. A quick conversation is faster than trying to match your address to the right profile on your own.