Homeowners Insurance in Cincinnati, OH

For a home at Cincinnati's median value of $230,900, we estimate about $1,195 a year — +7% versus the Ohio NAIC average of $1,116.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Cincinnati

Est. premium

$1,195

$100/mo · median home

Median home value

$230,900

Ohio: $214,800

Median year built

1951

Census ACS

Owner-occupied

39.8%

of households

Hazard score

83.9

state ref. 82.0

Cincinnati's estimate reflects its home values (7% higher than the state median) and FEMA's hazard profile for Hamilton County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Cincinnati

FEMA National Risk Index — Hamilton County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Moderate	93.4	Comprehensive (car); roof claims (home)
Tornado	Very High	99.4	Comprehensive; dwelling
Hurricane	Very Low	38.2	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	96.9	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	97.2	Comprehensive; dwelling
Winter weather	Relatively High	93.3	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	47.3	Comprehensive; dwelling
Earthquake	Relatively Moderate	92.7	Home needs a separate earthquake policy
Lightning	Very High	96.7	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Cincinnati

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,065	$980
$300,000	$1,475	$1,355
$500,000	$2,220	$2,040
$750,000	$3,070	$2,825

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Cincinnati

ZIP	Median home value	Owner-occupied	Est. premium
45211	$169,500	52.5%	$935
45224	$204,000	59.5%	$1,085
45237	$170,600	47.7%	$940
45219	$207,900	17.1%	$1,100
45227	$298,800	55.5%	$1,470
45205	$127,900	36.9%	$745
45208	$547,200	62.4%	$2,385
45202	$443,600	26.4%	$2,015
45223	$210,100	48.6%	$1,110
45220	$402,900	29.0%	$1,865
45229	$285,900	30.6%	$1,420
45213	$286,100	59.3%	$1,420
45209	$400,700	39.0%	$1,860
45206	$271,700	37.0%	$1,360
45225	$103,100	12.8%	$625
45216	$155,300	51.1%	$870
45214	$100,500	23.9%	$615
45204	$95,400	43.7%	$590
45207	$229,200	54.3%	$1,190
45232	$130,500	21.3%	$760
45226	$408,400	62.9%	$1,885
45203	$356,900	23.0%	$1,695

Homeowners insurance in Ohio · Car insurance in Cincinnati · Insurance offices near Cincinnati

Frequently asked questions

How much is homeowners insurance in Cincinnati?

For a home at Cincinnati's median value of $230,900, we estimate about $1,195 a year for a standard HO-3 policy with a $1,000 deductible. The Ohio NAIC average is $1,116.

What are the biggest natural hazards in Cincinnati?

FEMA's National Risk Index rates Hamilton County relatively high or very high for tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Cincinnati affect insurance?

Yes. The median home in Cincinnati was built in 1951 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Ohio, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Hamilton County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page