Home Insurance in Butler County, Ohio
The median home value in Butler County is $258,500, 20% higher than the Ohio median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Butler County was built around 1979. About 26% of homes were built before 1960, about 12 points below Ohio's 38%.
Housing in Butler County breaks down to 77% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Butler County, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Butler County has an owner-occupancy rate of 70% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
52% of homes in Butler County are primarily heated with natural gas.
The top hazards for Butler County, per FEMA's National Risk Index, are tornado (Relatively High), strong wind (Relatively High) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Butler County has 678 active NFIP flood policies on file.
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 | $258,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 678 |
| 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)