Home Insurance in Greenfield, Ohio
With a median home value of $113,700, Greenfield is 33% lower than the Highland County median.
The typical home in Greenfield was built around 1954. About 61% of homes were built before 1960, about 29 points above Highland County's 32%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Greenfield breaks down to 70% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Greenfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Greenfield are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Greenfield - 72% - are primarily heated with natural gas.
FEMA rates Highland County's overall risk as Relatively Low, led by earthquake (Relatively Low). Highland County had 6 active NFIP flood policies as of September 2026. See the full Highland County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $113,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Highland County | 6 |
| 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)