Home Insurance in Middlefield, Ohio
Homes in Middlefield carry a median value of $199,800 - 40% lower than the Geauga County median.
The typical home in Middlefield was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 2 points above Geauga County's 29%.
In Middlefield, the housing stock is 66% single-family homes and 26% apartments in buildings with 5+ units.
About 60% of owner-occupied homes in Middlefield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Middlefield has an owner-occupancy rate of 63% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Middlefield, 70% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Middlefield? FEMA's National Risk Index points to winter weather (Relatively High) in Geauga County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $199,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)