Home Insurance in Millville, Ohio
Homes in Millville carry a median value of $203,000 - 21% lower than the Butler County median.
The typical home in Millville was built around 1958. About 54% of homes were built before 1960, about 28 points above Butler County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Millville breaks down to 89% single-family homes and 2% mobile or manufactured homes.
About 62% of owner-occupied homes in Millville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Millville has an owner-occupancy rate of 73% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
50% of homes in Millville are primarily heated with electricity.
What's the biggest home insurance risk near Millville? 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 | $203,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)