Home Insurance in Brookville, Ohio
The median home value in Brookville is $182,200, close to the Montgomery County median.
The typical home in Brookville was built around 1980. About 26% of homes were built before 1960, about 14 points below Montgomery County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Brookville is 80% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Brookville, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Brookville are owner-occupied.
In Brookville, 77% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Brookville? FEMA's National Risk Index points to strong wind (Relatively High) in Montgomery County and Montgomery County had 1,025 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $182,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Montgomery County | 1,025 |
| 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)