Home Insurance in Wyoming, Ohio
Homes in Wyoming carry a median value of $430,000 - 78% higher than the Hamilton County median.
The typical home in Wyoming was built around 1954. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 69% of homes were built before 1960, about 23 points above Hamilton County's 46%.
In Wyoming, the housing stock is 93% single-family homes and 1% apartments in buildings with 5+ units.
72% of owner-occupied homes in Wyoming carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Wyoming are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Wyoming, 87% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Wyoming? 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.
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 | $430,000 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)