Home Insurance in Felicity, Ohio
The median home value in Felicity is $138,400, 48% 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 Felicity was built around 1957. About 55% of homes were built before 1960, about 37 points above Clermont County's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Felicity is 59% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Felicity, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 25% of occupied homes in Felicity are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Felicity - 82% - are primarily heated with electricity.
FEMA rates Clermont County's overall risk as Relatively Low, led by strong wind (Relatively High). Clermont County had 323 active NFIP flood policies as of September 2026. See the full Clermont 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 | $138,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 25% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)