Home Insurance in Warren County, Ohio
With a median home value of $349,400, Warren County is 63% higher than the Ohio median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Warren County was built around 1995. About 14% of homes were built before 1960, about 24 points below Ohio's 38%.
In Warren County, the housing stock is 83% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
69% of owner-occupied homes in Warren County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 79% of occupied homes in Warren County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Warren County - 53% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Warren County's top hazards are inland flooding (Relatively Moderate), tornado (Relatively Moderate) and winter weather (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Warren County has 482 active NFIP flood policies on file.
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 | $349,400 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 482 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Butlerville
- Carlisle
- Corwin
- Franklin
- Harveysburg
- Lebanon
- Maineville
- Mason
- Morrow
- Pleasant Plain
- South Lebanon
- Springboro
- Waynesville
Sources
- 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)