Home Insurance in Maple Heights, Ohio
Homes in Maple Heights carry a median value of $97,900 - 50% lower 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 Maple Heights was built around 1955. About 69% of homes were built before 1960, about 13 points above Cuyahoga County's 56%.
Housing in Maple Heights breaks down to 87% single-family homes and 12% apartments in buildings with 5+ units.
61% of owner-occupied homes in Maple Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Maple Heights has an owner-occupancy rate of 63% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Maple Heights - 85% - 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $97,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- Bedford
- Garfield Heights
- North Randall
- Walton Hills
- Warrensville Heights
- Valley View
- Bedford Heights
- Highland Hills
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)