Home Insurance in Cedarville, Ohio
With a median home value of $200,800, Cedarville is 20% lower than the Greene County median.
The typical home in Cedarville was built around 1959. About 51% of homes were built before 1960, about 23 points above Greene County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cedarville is 72% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Cedarville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Cedarville are owner-occupied.
Most homes in Cedarville - 64% - are primarily heated with natural gas.
What's the biggest home insurance risk near Cedarville? 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.
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 | $200,800 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)