Home Insurance in Berea, Ohio
Homes in Berea carry a median value of $198,100 - close to the Cuyahoga County median.
The typical home in Berea was built around 1959. About 51% of homes were built before 1960, about 4 points below Cuyahoga County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Berea breaks down to 80% single-family homes and 17% apartments in buildings with 5+ units.
In Berea, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Berea has an owner-occupancy rate of 73% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
84% of homes in Berea are primarily heated with natural gas.
Cuyahoga County had 1,221 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Cuyahoga County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $198,100 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Olmsted Falls
- Middleburg Heights
- Brook Park
- North Olmsted
- Strongsville
- Fairview Park
- Parma Heights
- Westlake
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)