Home Insurance in Clifton, Ohio
Homes in Clifton carry a median value of $193,800 - 23% lower than the Greene County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Clifton was built in 1939 or earlier. About 80% of homes were built before 1960, about 53 points above Greene County's 28%.
The housing stock in Clifton is 98% single-family homes.
61% of owner-occupied homes in Clifton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clifton has an owner-occupancy rate of 80% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
80% of homes in Clifton are primarily heated with natural gas.
Greene County had 412 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). 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 | $193,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)