Home Insurance in Miller City, Ohio
Homes in Miller City carry a median value of $157,300 - 22% lower than the Putnam 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 Miller City was built around 1962. About 46% of homes were built before 1960, about 9 points above Putnam County's 37%.
The housing stock in Miller City is 100% single-family homes.
In Miller City, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Miller City has an owner-occupancy rate of 85% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Miller City, 67% of homes are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Putnam County had 145 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Low). See the full Putnam 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 | $157,300 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Putnam County | 145 |
| 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)