Home Insurance in Woodlawn, Ohio
Homes in Woodlawn carry a median value of $249,300 - close to 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 Woodlawn was built around 1987. About 25% of homes were built before 1960, about 21 points below Hamilton County's 46%.
The housing stock in Woodlawn is 45% single-family homes and 53% apartments in buildings with 5+ units.
In Woodlawn, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 30% of occupied homes in Woodlawn are owner-occupied.
59% of homes in Woodlawn are primarily heated with electricity.
What's the biggest home insurance risk near Woodlawn? 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 | $249,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 30% |
| 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)