HomeInsuranceQts

Home Insurance in Cleves, Ohio

With a median home value of $197,300, Cleves is 18% lower than the Hamilton County median.

The typical home in Cleves was built around 1972. About 34% of homes were built before 1960, about 12 points below Hamilton County's 46%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

The housing stock in Cleves is 85% single-family homes and 11% apartments in buildings with 5+ units.

In Cleves, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Cleves are owner-occupied.

49% of homes in Cleves are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.

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.

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$197,300
Median year built1972
Owner-occupied share74%
Share of owner-occupied homes with a mortgage76%
Top county hazardTornado (Very High)
Active NFIP policies in Hamilton County1,238
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Cleves, OH

Nearby towns

Sources

Data last updated: 2026-09-29