Home Insurance in Monroe, Ohio
With a median home value of $282,400, Monroe is 9% higher than the Butler County median.
The typical home in Monroe was built around 2001. About 9% of homes were built before 1960, about 17 points below Butler County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Monroe is 92% single-family homes and 5% apartments in buildings with 5+ units.
74% of owner-occupied homes in Monroe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Monroe are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Monroe are primarily heated with natural gas.
Butler County had 678 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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 | $282,400 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)