Home Insurance in Addyston, Ohio
Homes in Addyston carry a median value of $105,700 - 56% lower than the Hamilton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Addyston was built around 1965. About 41% of homes were built before 1960, about 5 points below Hamilton County's 46%.
In Addyston, the housing stock is 64% single-family homes and 27% apartments in buildings with 5+ units.
In Addyston, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 39% of occupied homes in Addyston are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Addyston - 56% - are primarily heated with natural gas.
Hamilton County had 1,238 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Hamilton 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 | $105,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Hamilton County | 1,238 |
| 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)