Home Insurance in Huber Heights, Ohio
With a median home value of $177,300, Huber Heights is close to the Montgomery County median.
The typical home in Huber Heights was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 28 points below Montgomery County's 40%.
In Huber Heights, the housing stock is 86% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Huber Heights, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Huber Heights has an owner-occupancy rate of 71% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Huber Heights, 64% of homes are primarily heated with natural gas.
FEMA rates Montgomery County's overall risk as Relatively Moderate, led by strong wind (Relatively High). 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 | $177,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 71% |
| 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)