Home Insurance in Williamsburg, Ohio
Homes in Williamsburg carry a median value of $196,900 - 26% lower than the Clermont County median.
The typical home in Williamsburg was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 30 points above Clermont County's 19%.
In Williamsburg, the housing stock is 78% single-family homes and 16% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Williamsburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Williamsburg has an owner-occupancy rate of 62% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Williamsburg - 52% - are primarily heated with natural gas.
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.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $196,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)