Home Insurance in Silverton, Ohio
Homes in Silverton carry a median value of $200,500 - 17% 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 Silverton was built around 1959. About 52% of homes were built before 1960, about 6 points above Hamilton County's 46%.
Housing in Silverton breaks down to 50% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Silverton, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 41% of occupied homes in Silverton are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Silverton - 61% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Silverton? 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.
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 | $200,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)