Home Insurance in Spring Valley, Ohio
With a median home value of $157,100, Spring Valley is 38% lower than the Greene County median.
The median home in Spring Valley was built in 1939 or earlier. About 82% of homes were built before 1960, about 55 points above Greene County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Spring Valley, the housing stock is 96% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Spring Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Spring Valley are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Spring Valley are primarily heated with natural gas.
What's the biggest home insurance risk near Spring Valley? 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 | $157,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)