Home Insurance in Woodmere, Ohio
The median home value in Woodmere is $304,500, 56% higher than the Cuyahoga County median.
The typical home in Woodmere was built around 1966. About 26% of homes were built before 1960, about 29 points below Cuyahoga County's 56%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Woodmere breaks down to 41% single-family homes and 52% apartments in buildings with 5+ units.
60% of owner-occupied homes in Woodmere carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodmere has an owner-occupancy rate of 40% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
66% of homes in Woodmere 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.
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 | $304,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 40% |
| 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
- Orange
- Beachwood
- Pepper Pike
- Highland Hills
- Moreland Hills
- Warrensville Heights
- North Randall
- University 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)