Home Insurance in Beavercreek, Ohio
With a median home value of $279,600, Beavercreek is 11% higher than the Greene County median.
The typical home in Beavercreek was built around 1979. About 20% of homes were built before 1960, about 8 points below Greene County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Beavercreek, the housing stock is 78% single-family homes and 18% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Beavercreek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Beavercreek are owner-occupied.
59% of homes in Beavercreek are primarily heated with natural gas.
Greene County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Greene County had 412 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $279,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Greene County | 412 |
| 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)