Home Insurance in Hunting Valley, Ohio
The median home value in Hunting Valley is $1,511,400, 673% higher than the Cuyahoga County median.
The typical home in Hunting Valley was built around 1956. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 2 points above Cuyahoga County's 56%.
Housing in Hunting Valley breaks down to 99% single-family homes and 1% mobile or manufactured homes.
About 43% of owner-occupied homes in Hunting Valley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 93% of occupied homes in Hunting Valley are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hunting Valley, 75% of homes are primarily heated with natural gas.
Cuyahoga County had 1,221 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Cuyahoga County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Ohio, the statewide average premium for a standard HO-3 homeowners policy is $1,116 per year (NAIC, 2023 data).
Key figures
| Median home value | $1,511,400 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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
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)