Home Insurance in East Cleveland, Ohio
Homes in East Cleveland carry a median value of $68,800 - 65% lower than the Cuyahoga County median.
The median home in East Cleveland was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 77% of homes were built before 1960, about 21 points above Cuyahoga County's 56%.
In East Cleveland, the housing stock is 43% single-family homes and 40% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in East Cleveland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
East Cleveland has an owner-occupancy rate of 37% and a vacancy rate of 30%; unoccupied homes typically need a different coverage form.
In East Cleveland, 74% of homes are primarily heated with natural gas.
FEMA rates Cuyahoga County's overall risk as Relatively High, led by tornado (Very High). 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 | $68,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 37% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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
- Cleveland Heights
- Bratenahl
- South Euclid
- University Heights
- Shaker Heights
- Richmond Heights
- Lyndhurst
- Euclid
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)