Home Insurance in Highland Heights, Ohio
Homes in Highland Heights carry a median value of $371,400 - 90% higher than the Cuyahoga County median.
The typical home in Highland Heights was built around 1981. About 24% of homes were built before 1960, about 32 points below Cuyahoga County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Highland Heights breaks down to 97% single-family homes.
58% of owner-occupied homes in Highland Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Highland Heights are owner-occupied.
Most homes in Highland Heights - 93% - 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.
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 | $371,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 96% |
| 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
- Mayfield
- Richmond Heights
- Mayfield Heights
- Lyndhurst
- Willoughby Hills
- Gates Mills
- South Euclid
- Wickliffe
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)