Home Insurance in Miamisburg, Ohio
Homes in Miamisburg carry a median value of $231,300 - 28% higher than the Montgomery County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Miamisburg was built around 1976. About 31% of homes were built before 1960, about 9 points below Montgomery County's 40%.
In Miamisburg, the housing stock is 84% single-family homes and 9% apartments in buildings with 5+ units.
69% of owner-occupied homes in Miamisburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Miamisburg are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
63% of homes in Miamisburg are primarily heated with natural gas.
Montgomery County had 1,025 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $231,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)