Home Insurance in Brown County, Ohio
With a median home value of $196,200, Brown County is 9% lower than the Ohio median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brown County was built around 1982. About 26% of homes were built before 1960, about 12 points below Ohio's 38%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brown County is 76% single-family homes, 4% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
59% of owner-occupied homes in Brown County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Brown County are owner-occupied.
Most homes in Brown County - 57% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Brown County's top hazards are strong wind (Relatively High), inland flooding (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Brown County has 100 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $196,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Inland Flooding (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 100 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)