Home Insurance in Bedford, Ohio
Homes in Bedford carry a median value of $135,200 - 31% lower than the Cuyahoga County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bedford was built around 1958. About 56% of homes were built before 1960, in line with Cuyahoga County (56%).
Housing in Bedford breaks down to 65% single-family homes and 27% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Bedford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Bedford are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Bedford are primarily heated with natural gas.
What's the biggest home insurance risk near Bedford? FEMA's National Risk Index points to tornado (Very High) in Cuyahoga County and Cuyahoga County had 1,221 active NFIP flood policies as of September 2026. See the full Cuyahoga County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $135,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Cuyahoga County | 1,221 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
- Bedford Heights
- Maple Heights
- Walton Hills
- Oakwood
- North Randall
- Warrensville Heights
- Northfield
- Valley View
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)