HomeInsuranceQts

Home Insurance in Cuyahoga County, Ohio

Homes in Cuyahoga County carry a median value of $195,400 - 9% lower 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 Cuyahoga County was built around 1957. About 56% of homes were built before 1960, about 18 points above Ohio's 38%.

In Cuyahoga County, the housing stock is 65% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

About 59% of owner-occupied homes in Cuyahoga County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Cuyahoga County are owner-occupied.

In Cuyahoga County, 80% of homes are primarily heated with natural gas.

Per FEMA's National Risk Index, Cuyahoga County's top hazards are tornado (Very High), inland flooding (Relatively High) and strong wind (Relatively High).

As of September 2026, Cuyahoga County has 1,221 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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$195,400
Median year built1957
Owner-occupied share59%
Share of owner-occupied homes with a mortgage59%
Top hazards (FEMA National Risk Index)Tornado (Very High), Inland Flooding (Relatively High), Strong Wind (Relatively High)
Active NFIP flood policies (county)1,221
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)

Towns and cities

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