Home Insurance in North Randall, Ohio
With a median home value of $138,100, North Randall is 29% lower than the Cuyahoga County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North Randall was built around 1965. About 36% of homes were built before 1960, about 20 points below Cuyahoga County's 56%.
In North Randall, the housing stock is 28% single-family homes and 68% apartments in buildings with 5+ units.
63% of owner-occupied homes in North Randall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 28% of occupied homes in North Randall are owner-occupied.
In North Randall, 46% of homes are primarily heated with electricity.
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.
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 | $138,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 28% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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
- Warrensville Heights
- Highland Hills
- Maple Heights
- Bedford Heights
- Bedford
- Orange
- Shaker Heights
- Woodmere
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)