Home Insurance in Moraine, Ohio
With a median home value of $156,800, Moraine is 13% lower than the Montgomery County median.
The typical home in Moraine was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 36% of homes were built before 1960, about 4 points below Montgomery County's 40%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Moraine is 62% single-family homes, 27% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Moraine, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Moraine has an owner-occupancy rate of 55% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Moraine - 50% - are primarily heated with electricity.
What's the biggest home insurance risk near Moraine? 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.
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 | $156,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)