Home Insurance in Clayton, Ohio
Homes in Clayton carry a median value of $208,200 - 15% higher than the Montgomery County median.
The typical home in Clayton was built around 1972. About 23% of homes were built before 1960, about 16 points below Montgomery County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Clayton, the housing stock is 88% single-family homes and 9% apartments in buildings with 5+ units.
About 74% of owner-occupied homes in Clayton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clayton has an owner-occupancy rate of 82% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 55% of homes in Clayton are primarily heated with natural gas.
What's the biggest home insurance risk near Clayton? 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 | $208,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)