Home Insurance in Greene County, Ohio
Homes in Greene County carry a median value of $252,200 - 17% higher than the Ohio median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Greene County was built around 1976. About 28% of homes were built before 1960, about 10 points below Ohio's 38%.
In Greene County, the housing stock is 77% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 64% of owner-occupied homes in Greene County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Greene County are owner-occupied.
In Greene County, 60% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively Moderate), tornado (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Greene County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Greene County had 412 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $252,200 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Tornado (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 412 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Beavercreek
- Bellbrook
- Bowersville
- Cedarville
- Clifton
- Fairborn
- Jamestown
- Spring Valley
- Xenia
- Yellow Springs
Sources
- 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)