Home Insurance in Valley View, Ohio
With a median home value of $304,700, Valley View is 56% higher than the Cuyahoga County median.
The typical home in Valley View was built around 1975. About 23% of homes were built before 1960, about 32 points below Cuyahoga County's 56%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Valley View breaks down to 98% single-family homes.
About 44% of owner-occupied homes in Valley View have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Valley View 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 Valley View - 94% - 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 | $304,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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
- Garfield Heights
- Walton Hills
- Maple Heights
- Seven Hills
- Bedford
- Brooklyn Heights
- Cuyahoga 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)