Home Insurance in Montgomery County, Ohio
Homes in Montgomery County carry a median value of $180,900 - 16% lower than the Ohio median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Montgomery County was built around 1966. About 40% of homes were built before 1960, about 2 points above Ohio's 38%.
The housing stock in Montgomery County is 75% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
61% of owner-occupied homes in Montgomery County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Montgomery County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Montgomery County, 63% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively High) and inland flooding (Relatively High) as the leading hazards for Montgomery County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Montgomery County has 1,025 active NFIP flood policies on file.
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 | $180,900 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 1,025 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Brookville
- Clayton
- Dayton
- Farmersville
- Germantown
- Huber Heights
- Kettering
- Miamisburg
- Moraine
- New Lebanon
- Oakwood
- Phillipsburg
- Riverside
- Trotwood
- Union
- Vandalia
- West Carrollton
Smaller communities
-
Centerville
- Median home value: $287,200
- Median year built: 1977
- Owner-occupied share: 67%
-
Englewood
- Median home value: $182,800
- Median year built: 1976
- Owner-occupied share: 71%
Sources
- 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)