Home Insurance in Higginsport, Ohio
With a median home value of $104,200, Higginsport is 47% lower than the Brown County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Higginsport was built around 1943. About 65% of homes were built before 1960, about 39 points above Brown County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Higginsport is 72% single-family homes and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Higginsport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Higginsport has an owner-occupancy rate of 66% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Higginsport, 62% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Higginsport? FEMA's National Risk Index points to strong wind (Relatively High) in Brown County and 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 | $104,200 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Brown County | 100 |
| 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)