Home Insurance in Burton, Ohio
With a median home value of $222,700, Burton is 33% lower than the Geauga County median.
The typical home in Burton was built around 1948. About 63% of homes were built before 1960, about 34 points above Geauga County's 29%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Burton, the housing stock is 77% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Burton, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Burton are owner-occupied.
Most homes in Burton - 65% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Geauga County's overall risk as Relatively Low, led by winter weather (Relatively High). Geauga County had 94 active NFIP flood policies as of September 2026. See the full Geauga 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 | $222,700 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Geauga County | 94 |
| 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)