Home Insurance in Harrison, Ohio
The median home value in Harrison is $229,400, 5% lower than the Hamilton County median.
The typical home in Harrison was built around 1992. About 19% of homes were built before 1960, about 27 points below Hamilton County's 46%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Harrison breaks down to 75% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
82% of owner-occupied homes in Harrison carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Harrison has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Harrison, 65% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Harrison? FEMA's National Risk Index points to tornado (Very High) in Hamilton County and 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 | $229,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)