Home Insurance in Kirtland, Ohio
Homes in Kirtland carry a median value of $391,300 - 83% higher than the Lake County median.
The typical home in Kirtland was built around 1973. About 31% of homes were built before 1960, in line with Lake County (32%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Kirtland is 93% single-family homes, 2% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Kirtland, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 91% of occupied homes in Kirtland are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kirtland, 84% of homes are primarily heated with natural gas.
Lake County had 468 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Lake 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 | $391,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Lake County | 468 |
| 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)