Home Insurance in Montgomery, Ohio
With a median home value of $545,100, Montgomery is 125% higher than the Hamilton County median.
The typical home in Montgomery was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 14% of homes were built before 1960, about 32 points below Hamilton County's 46%.
Housing in Montgomery breaks down to 90% single-family homes and 9% apartments in buildings with 5+ units.
66% of owner-occupied homes in Montgomery carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 90% of occupied homes in Montgomery are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Montgomery are primarily heated with natural gas.
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.
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 | $545,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)