Home Insurance in Brooklyn Heights, Ohio
The median home value in Brooklyn Heights is $234,400, 20% higher than the Cuyahoga County median.
The typical home in Brooklyn Heights was built around 1960. About 50% of homes were built before 1960, about 6 points below Cuyahoga County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Brooklyn Heights breaks down to 99% single-family homes.
In Brooklyn Heights, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Brooklyn Heights are owner-occupied.
In Brooklyn Heights, 98% 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.
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 | $234,400 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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
- Cuyahoga Heights
- Newburgh Heights
- Seven Hills
- Garfield Heights
- Independence
- Valley View
- Cleveland
- Parma
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)