Home Insurance in Greenville, Ohio
Homes in Greenville carry a median value of $157,800 - 9% lower than the Darke County median.
The typical home in Greenville was built around 1959. About 52% of homes were built before 1960, about 5 points above Darke County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Greenville is 66% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Greenville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Greenville has an owner-occupancy rate of 53% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Greenville - 65% - are primarily heated with natural gas.
What's the biggest home insurance risk near Greenville? FEMA's National Risk Index points to tornado (Relatively Moderate) in Darke County and Darke County had 82 active NFIP flood policies as of September 2026. See the full Darke 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 | $157,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Darke County | 82 |
| 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)