Home Insurance in North College Hill, Ohio
The median home value in North College Hill is $154,000, 36% lower than the Hamilton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North College Hill was built around 1952. About 77% of homes were built before 1960, about 31 points above Hamilton County's 46%.
The housing stock in North College Hill is 80% single-family homes and 12% apartments in buildings with 5+ units.
80% of owner-occupied homes in North College Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
North College Hill has an owner-occupancy rate of 56% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In North College Hill, 72% of homes 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.
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 | $154,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 80% |
| 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)