Home Insurance in Graysville, Ohio
With a median home value of $107,500, Graysville is 25% lower than the Monroe County median.
The typical home in Graysville was built around 1959. About 51% of homes were built before 1960, about 19 points above Monroe County's 32%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Graysville breaks down to 97% single-family homes and 3% mobile or manufactured homes.
About 24% of owner-occupied homes in Graysville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Graysville are owner-occupied.
100% of homes in Graysville are primarily heated with natural gas.
FEMA rates Monroe County's overall risk as Very Low, led by hurricane (Very Low). Monroe County had 26 active NFIP flood policies as of September 2026. See the full Monroe 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 | $107,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Monroe County | 26 |
| 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)