Home Insurance in Bratenahl, Ohio
The median home value in Bratenahl is $411,900, 111% higher than the Cuyahoga County median.
The typical home in Bratenahl was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 11 points below Cuyahoga County's 56%.
Housing in Bratenahl breaks down to 60% single-family homes and 36% apartments in buildings with 5+ units.
54% of owner-occupied homes in Bratenahl carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Bratenahl are owner-occupied.
In Bratenahl, 68% of homes 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.
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 | $411,900 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
- East Cleveland
- Cleveland Heights
- South Euclid
- Richmond Heights
- Euclid
- University Heights
- Shaker Heights
- Lyndhurst
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)