Home Insurance in Yellow Springs, Ohio
Homes in Yellow Springs carry a median value of $332,000 - 32% higher 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 typical home in Yellow Springs was built around 1961. About 49% of homes were built before 1960, about 21 points above Greene County's 28%.
Housing in Yellow Springs breaks down to 75% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Yellow Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Yellow Springs are owner-occupied.
Most homes in Yellow Springs - 83% - are primarily heated with natural gas.
What's the biggest home insurance risk near Yellow Springs? 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 | $332,000 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)