Home Insurance in Germantown, Ohio
With a median home value of $205,900, Germantown is 14% higher than the Montgomery County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Germantown was built around 1972. About 31% of homes were built before 1960, about 9 points below Montgomery County's 40%.
Housing in Germantown breaks down to 87% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in Germantown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Germantown are owner-occupied.
73% of homes in Germantown are primarily heated with natural gas.
What's the biggest home insurance risk near Germantown? 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.
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 | $205,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)