Home Insurance in Independence, Ohio
With a median home value of $309,900, Independence is 59% higher than the Cuyahoga County median.
The typical home in Independence was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 50% of homes were built before 1960, about 6 points below Cuyahoga County's 56%.
Housing in Independence breaks down to 96% single-family homes and 3% apartments in buildings with 5+ units.
In Independence, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Independence has an owner-occupancy rate of 90% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Independence - 94% - 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.
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 | $309,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
- Valley View
- Seven Hills
- Garfield Heights
- Brooklyn Heights
- Walton Hills
- Cuyahoga Heights
- Maple Heights
- Broadview 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)