Home Insurance in Euclid, Ohio
Homes in Euclid carry a median value of $126,500 - 35% lower than the Cuyahoga County median.
The typical home in Euclid was built around 1956. About 60% of homes were built before 1960, about 5 points above Cuyahoga County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Euclid is 63% single-family homes and 31% apartments in buildings with 5+ units.
In Euclid, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Euclid are owner-occupied.
78% of homes in Euclid 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 | $126,500 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Richmond Heights
- Wickliffe
- Highland Heights
- Willowick
- Willoughby Hills
- South Euclid
- Bratenahl
- 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)