Home Insurance in West Alexandria, Ohio
Homes in West Alexandria carry a median value of $154,300 - 15% lower than the Preble County median.
The typical home in West Alexandria was built around 1951. About 63% of homes were built before 1960, about 24 points above Preble County's 39%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in West Alexandria is 70% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in West Alexandria have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in West Alexandria are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in West Alexandria are primarily heated with natural gas.
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.
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 | $154,300 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)