Home Insurance in Springdale, Ohio
Homes in Springdale carry a median value of $192,000 - 21% lower than the Hamilton County median.
The typical home in Springdale was built around 1971. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 22% of homes were built before 1960, about 24 points below Hamilton County's 46%.
The housing stock in Springdale is 70% single-family homes and 23% apartments in buildings with 5+ units.
In Springdale, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Springdale are owner-occupied.
Most homes in Springdale - 58% - 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 | $192,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 59% |
| 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)