Home Insurance in Garfield Heights, Ohio
The median home value in Garfield Heights is $109,900, 44% lower than the Cuyahoga County median.
The typical home in Garfield Heights was built around 1955. About 66% of homes were built before 1960, about 10 points above Cuyahoga County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Garfield Heights breaks down to 77% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Garfield Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Garfield Heights are owner-occupied.
In Garfield Heights, 87% 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 | $109,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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
- Maple Heights
- Valley View
- Cuyahoga Heights
- Independence
- Brooklyn Heights
- Newburgh Heights
- North Randall
- Bedford
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)