Home Insurance in Golf Manor, Ohio
With a median home value of $157,300, Golf Manor is 35% lower than the Hamilton County median.
The typical home in Golf Manor was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 67% of homes were built before 1960, about 21 points above Hamilton County's 46%.
Housing in Golf Manor breaks down to 53% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
77% of owner-occupied homes in Golf Manor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Golf Manor are owner-occupied.
Most homes in Golf Manor - 73% - 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.
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 | $157,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)