Home Insurance in Seven Hills, Ohio
With a median home value of $258,000, Seven Hills is 32% higher than the Cuyahoga County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Seven Hills was built around 1967. About 31% of homes were built before 1960, about 25 points below Cuyahoga County's 56%.
In Seven Hills, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
In Seven Hills, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in Seven Hills are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Seven Hills, 95% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Seven Hills? FEMA's National Risk Index points to tornado (Very High) in Cuyahoga County and 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 | $258,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
- Independence
- Parma
- Brooklyn Heights
- Valley View
- Cuyahoga Heights
- Broadview Heights
- Parma Heights
- Garfield 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)