Home Insurance in Eaton, Ohio
Homes in Eaton carry a median value of $148,200 - 18% lower than the Preble County median.
The typical home in Eaton was built around 1974. About 37% of homes were built before 1960, about 2 points below Preble County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Eaton is 80% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Eaton, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Eaton are owner-occupied.
In Eaton, 48% of homes are primarily heated with natural gas.
Preble County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $148,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)