Home Insurance in Newburgh Heights, Ohio
The median home value in Newburgh Heights is $108,300, 45% lower than the Cuyahoga County median.
The median home in Newburgh Heights was built in 1939 or earlier. About 76% of homes were built before 1960, about 20 points above Cuyahoga County's 56%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Newburgh Heights, the housing stock is 58% single-family homes and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Newburgh Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 50% of occupied homes in Newburgh Heights are owner-occupied.
94% of homes in Newburgh Heights are primarily heated with natural gas.
Cuyahoga County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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 | $108,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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
- Cuyahoga Heights
- Cleveland
- Brooklyn Heights
- Garfield Heights
- Brooklyn
- Seven Hills
- Independence
- Linndale
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)