Home Insurance in Elmwood Place, Ohio
With a median home value of $69,900, Elmwood Place is 71% lower than the Hamilton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Elmwood Place was built in 1939 or earlier. About 85% of homes were built before 1960, about 39 points above Hamilton County's 46%.
In Elmwood Place, the housing stock is 66% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Elmwood Place have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elmwood Place has an owner-occupancy rate of 37% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Elmwood Place, 65% of homes are primarily heated with natural gas.
Hamilton County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Hamilton County had 1,238 active NFIP flood policies as of September 2026. See the full Hamilton County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $69,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)