Home Insurance in Wilmington, Ohio
Homes in Wilmington carry a median value of $174,400 - 18% lower than the Clinton County median.
The typical home in Wilmington was built around 1977. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 2 points above Clinton County's 34%.
In Wilmington, the housing stock is 68% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Wilmington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Wilmington are owner-occupied.
Most homes in Wilmington - 66% - are primarily heated with natural gas.
Clinton County had 74 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Clinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $174,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Clinton County | 74 |
| 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)