Home Insurance in Cleveland, Ohio
Homes in Cleveland carry a median value of $102,000 - 48% lower than the Cuyahoga County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cleveland was built around 1941. About 71% of homes were built before 1960, about 15 points above Cuyahoga County's 56%.
In Cleveland, the housing stock is 54% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Cleveland, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in Cleveland are owner-occupied.
In Cleveland, 78% of homes 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.
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 | $102,000 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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
- Newburgh Heights
- Cuyahoga Heights
- Brooklyn Heights
- Brooklyn
- Linndale
- Garfield Heights
- Lakewood
- East Cleveland
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)