Home Insurance in Moreland Hills, Ohio
The median home value in Moreland Hills is $621,900, 218% higher than the Cuyahoga County median.
The typical home in Moreland Hills was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 50% of homes were built before 1960, about 6 points below Cuyahoga County's 56%.
Housing in Moreland Hills breaks down to 97% single-family homes and 3% apartments in buildings with 5+ units.
58% of owner-occupied homes in Moreland Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Moreland Hills are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Moreland Hills, 88% of homes 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.
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 | $621,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)