Home Insurance in Newtown, Ohio
With a median home value of $401,400, Newtown is 66% higher than the Hamilton County median.
The typical home in Newtown was built around 1989. About 30% of homes were built before 1960, about 16 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 Newtown breaks down to 74% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Newtown, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Newtown are owner-occupied.
In Newtown, 76% 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.
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 | $401,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)