Home Insurance in Lyndhurst, Ohio
With a median home value of $212,200, Lyndhurst is 9% higher than the Cuyahoga County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lyndhurst was built around 1957. About 60% of homes were built before 1960, about 4 points above Cuyahoga County's 56%.
The housing stock in Lyndhurst is 84% single-family homes and 15% apartments in buildings with 5+ units.
67% of owner-occupied homes in Lyndhurst 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 78% of occupied homes in Lyndhurst are owner-occupied.
Most homes in Lyndhurst - 84% - 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 | $212,200 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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
- South Euclid
- Mayfield Heights
- University Heights
- Highland Heights
- Beachwood
- Richmond Heights
- Pepper Pike
- Cleveland 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)