Home Insurance in Highland Hills, Ohio
With a median home value of $121,400, Highland Hills is 38% lower than the Cuyahoga County median.
The typical home in Highland Hills was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 38% of homes were built before 1960, about 18 points below Cuyahoga County's 56%.
Housing in Highland Hills breaks down to 29% single-family homes and 66% apartments in buildings with 5+ units.
71% of owner-occupied homes in Highland Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 32% of occupied homes in Highland Hills are owner-occupied.
Most homes in Highland Hills - 56% - are primarily heated with natural gas.
What's the biggest home insurance risk near Highland Hills? FEMA's National Risk Index points to tornado (Very High) in Cuyahoga County and 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 | $121,400 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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
- Warrensville Heights
- North Randall
- Beachwood
- Woodmere
- Shaker Heights
- Orange
- University Heights
- Bedford Heights
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)