HomeInsuranceQts

Home Insurance in Georgetown, Ohio

With a median home value of $148,600, Georgetown is 24% lower than the Brown County median.

The typical home in Georgetown was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 12 points above Brown County's 26%.

In Georgetown, the housing stock is 64% single-family homes, 12% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Georgetown, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Georgetown are owner-occupied.

In Georgetown, 60% of homes are primarily heated with electricity.

FEMA rates Brown County's overall risk as Relatively Low, led by strong wind (Relatively High). Brown County had 100 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.

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$148,600
Median year built1971
Owner-occupied share61%
Share of owner-occupied homes with a mortgage49%
Top county hazardStrong Wind (Relatively High)
Active NFIP policies in Brown County100
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Georgetown, OH

Nearby towns

Sources

Data last updated: 2026-09-29