Home Insurance in Pleasant Hill, Ohio
With a median home value of $176,000, Pleasant Hill is 23% lower than the Miami County median.
The typical home in Pleasant Hill was built around 1952. About 62% of homes were built before 1960, about 26 points above Miami County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pleasant Hill, the housing stock is 88% single-family homes. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Pleasant Hill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Pleasant Hill are owner-occupied.
71% of homes in Pleasant Hill are primarily heated with natural gas.
Miami County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Miami County had 281 active NFIP flood policies as of September 2026. See the full Miami County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $176,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Miami County | 281 |
| 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)