Home Insurance in Camden, Ohio
The median home value in Camden is $117,400, 35% lower than the Preble County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Camden was built around 1968. About 37% of homes were built before 1960, about 2 points below Preble County's 39%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Camden is 63% single-family homes, 6% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
In Camden, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Camden has an owner-occupancy rate of 63% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Camden, 46% of homes are primarily heated with natural gas. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Preble County's overall risk as Relatively Low, led by strong wind (Relatively Moderate). Preble County had 93 active NFIP flood policies as of September 2026. See the full Preble 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 | $117,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Preble County | 93 |
| 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)