Home Insurance in Evendale, Ohio
With a median home value of $407,300, Evendale is 68% higher than the Hamilton County median.
The typical home in Evendale was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 11% of homes were built before 1960, about 35 points below Hamilton County's 46%.
The housing stock in Evendale is 100% single-family homes.
56% of owner-occupied homes in Evendale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 98% of occupied homes in Evendale are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Evendale 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.
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 | $407,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)