Home Insurance in Grandview Heights, Ohio
Homes in Grandview Heights carry a median value of $583,300 - 102% higher than the Franklin County median.
The typical home in Grandview Heights was built around 1959. About 50% of homes were built before 1960, about 25 points above Franklin County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Grandview Heights, the housing stock is 52% single-family homes and 34% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Grandview Heights, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grandview Heights has an owner-occupancy rate of 56% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
60% of homes in Grandview Heights are primarily heated with natural gas.
FEMA rates Franklin County's overall risk as Relatively High, led by inland flooding (Relatively High). Franklin County had 1,478 active NFIP flood policies as of September 2026. See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $583,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Franklin County | 1,478 |
| 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)