Home Insurance in Broadview Heights, Ohio
With a median home value of $316,700, Broadview Heights is 62% higher than the Cuyahoga County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Broadview Heights was built around 1984. About 18% of homes were built before 1960, about 38 points below Cuyahoga County's 56%.
Housing in Broadview Heights breaks down to 79% single-family homes and 18% apartments in buildings with 5+ units.
64% of owner-occupied homes in Broadview Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Broadview Heights has an owner-occupancy rate of 83% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Broadview Heights, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Broadview Heights? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $316,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 83% |
| 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
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)