Home Insurance in Lebanon, Ohio
Homes in Lebanon carry a median value of $290,200 - 17% lower than the Warren County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lebanon was built around 1986. About 21% of homes were built before 1960, about 7 points above Warren County's 14%.
Housing in Lebanon breaks down to 68% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Lebanon, about 71% 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 61% of occupied homes in Lebanon are owner-occupied.
Most homes in Lebanon - 62% - are primarily heated with natural gas.
Warren County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Warren County had 482 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $290,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Warren County | 482 |
| 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)