Home Insurance in Bellbrook, Ohio
The median home value in Bellbrook is $264,300, close to the Greene County median.
The typical home in Bellbrook was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 5 points below Greene County's 28%.
Housing in Bellbrook breaks down to 85% single-family homes and 5% apartments in buildings with 5+ units.
In Bellbrook, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bellbrook has an owner-occupancy rate of 81% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Bellbrook - 80% - are primarily heated with natural gas.
What's the biggest home insurance risk near Bellbrook? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Greene County and 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.
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 | $264,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)