Home Insurance in New Miami, Ohio
With a median home value of $112,200, New Miami is 57% lower than the Butler County median.
The typical home in New Miami was built around 1960. About 51% of homes were built before 1960, about 25 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.
In New Miami, the housing stock is 94% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
54% of owner-occupied homes in New Miami carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
New Miami has an owner-occupancy rate of 63% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
80% of homes in New Miami 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $112,200 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)