Home Insurance in Verona, Ohio
With a median home value of $153,600, Verona is 15% lower than the Preble County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Verona was built around 1951. About 63% of homes were built before 1960, about 24 points above Preble County's 39%.
In Verona, the housing stock is 98% single-family homes and 1% mobile or manufactured homes.
About 52% of owner-occupied homes in Verona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Verona are owner-occupied.
In Verona, 65% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Verona? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Preble County and 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.
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 | $153,600 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)