Home Insurance in Brook Park, Ohio
With a median home value of $169,600, Brook Park is 13% lower than the Cuyahoga County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brook Park was built around 1961. About 44% of homes were built before 1960, about 12 points below Cuyahoga County's 56%.
In Brook Park, the housing stock is 91% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
61% of owner-occupied homes in Brook Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Brook Park are owner-occupied.
88% of homes in Brook Park are primarily heated with natural gas.
Cuyahoga County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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 | $169,600 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)