Home Insurance in Trotwood, Ohio
Homes in Trotwood carry a median value of $113,200 - 37% lower than the Montgomery County median.
The typical home in Trotwood was built around 1963. About 41% of homes were built before 1960, about 2 points above Montgomery County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Trotwood breaks down to 75% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
60% of owner-occupied homes in Trotwood carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Trotwood are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Trotwood, 62% of homes are primarily heated with natural gas.
Montgomery County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $113,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)