Home Insurance in Bethel, Ohio
With a median home value of $158,500, Bethel is 40% lower than the Clermont County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bethel was built around 1958. About 52% of homes were built before 1960, about 34 points above Clermont County's 19%.
Housing in Bethel breaks down to 65% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
72% of owner-occupied homes in Bethel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bethel has an owner-occupancy rate of 48% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
49% of homes in Bethel are primarily heated with electricity.
Clermont County had 323 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Clermont 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 | $158,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Clermont County | 323 |
| 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)