Home Insurance in Cuyahoga Heights, Ohio
The median home value in Cuyahoga Heights is $212,300, 9% higher than the Cuyahoga County median.
The typical home in Cuyahoga Heights was built around 1948. About 72% of homes were built before 1960, about 16 points above Cuyahoga County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Cuyahoga Heights is 78% single-family homes. The rest are 2-4 unit or other housing types.
In Cuyahoga Heights, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Cuyahoga Heights are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Cuyahoga Heights, 91% 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 | $212,300 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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
- Brooklyn Heights
- Garfield Heights
- Cleveland
- Independence
- Seven Hills
- Valley View
- Brooklyn
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)