Home Insurance in University Heights, Ohio
With a median home value of $242,700, University Heights is 24% 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 University Heights was built around 1949. About 76% of homes were built before 1960, about 20 points above Cuyahoga County's 56%.
The housing stock in University Heights is 80% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in University Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in University Heights are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in University Heights - 86% - 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 | $242,700 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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
- Shaker Heights
- Cleveland Heights
- Beachwood
- South Euclid
- Lyndhurst
- Highland Hills
- East Cleveland
- 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)