Home Insurance in Strongsville, Ohio
The median home value in Strongsville is $298,300, 53% higher than the Cuyahoga County median.
The typical home in Strongsville was built around 1980. About 13% of homes were built before 1960, about 43 points below Cuyahoga County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Strongsville, the housing stock is 85% single-family homes and 14% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Strongsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Strongsville has an owner-occupancy rate of 82% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Strongsville - 79% - 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.
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 | $298,300 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)