Home Insurance in Matamoras (New Matamoras), Ohio
The median home value in Matamoras (New Matamoras) is $94,400, 49% lower than the Washington County median.
The typical home in Matamoras (New Matamoras) was built around 1957. About 57% of homes were built before 1960, about 22 points above Washington County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Matamoras (New Matamoras), the housing stock is 61% single-family homes, 20% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
43% of owner-occupied homes in Matamoras (New Matamoras) carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 36% of occupied homes in Matamoras (New Matamoras) are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in Matamoras (New Matamoras) are primarily heated with natural gas.
FEMA rates Washington County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Washington County had 458 active NFIP flood policies as of September 2026. See the full Washington 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 | $94,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Washington County | 458 |
| 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)