Home Insurance in Milford, Ohio
Homes in Milford carry a median value of $238,700 - 10% lower than the Clermont County median.
The typical home in Milford was built around 1968. About 40% of homes were built before 1960, about 22 points above Clermont County's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Milford breaks down to 50% single-family homes, 39% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
58% of owner-occupied homes in Milford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Milford has an owner-occupancy rate of 50% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
47% of homes in Milford are primarily heated with natural gas.
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 | $238,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)