Home Insurance in Waynesville, Ohio
With a median home value of $269,500, Waynesville is 23% 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 Waynesville was built around 1979. About 24% of homes were built before 1960, about 10 points above Warren County's 14%.
In Waynesville, the housing stock is 75% single-family homes and 7% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Waynesville, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Waynesville are owner-occupied.
76% of homes in Waynesville are primarily heated with natural gas.
FEMA rates Warren County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $269,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 66% |
| 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)