Home Insurance in Fairfield, Ohio
The median home value in Fairfield is $234,500, 9% lower than the Butler County median.
The typical home in Fairfield was built around 1978. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, about 12 points below Butler County's 26%.
Housing in Fairfield breaks down to 65% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Fairfield, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairfield has an owner-occupancy rate of 63% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Fairfield - 53% - are primarily heated with electricity.
What's the biggest home insurance risk near Fairfield? FEMA's National Risk Index points to tornado (Relatively High) in Butler County and Butler County had 678 active NFIP flood policies as of September 2026. See the full Butler County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $234,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Butler County | 678 |
| 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)