Home Insurance in Warrensville Heights, Ohio
Homes in Warrensville Heights carry a median value of $121,100 - 38% lower than the Cuyahoga County median.
The typical home in Warrensville Heights was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 11 points below Cuyahoga County's 56%.
In Warrensville Heights, the housing stock is 50% single-family homes and 46% apartments in buildings with 5+ units.
About 61% of owner-occupied homes in Warrensville Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 43% of occupied homes in Warrensville Heights are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Warrensville Heights, 81% of homes are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Ohio carries a statewide average premium of $1,116 per year.
Key figures
| Median home value | $121,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)