HomeInsuranceQts

Home Insurance in St. Bernard, Ohio

Homes in St. Bernard carry a median value of $162,700 - 33% lower than the Hamilton County median.

The typical home in St. Bernard was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 11 points above Hamilton County's 46%.

The housing stock in St. Bernard is 57% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

In St. Bernard, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in St. Bernard are owner-occupied.

Most homes in St. Bernard - 70% - 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$162,700
Median year built1955
Owner-occupied share64%
Share of owner-occupied homes with a mortgage60%
Top county hazardTornado (Very High)
Active NFIP policies in Hamilton County1,238
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for St. Bernard, OH

Nearby towns

Sources

Data last updated: 2026-09-29