Home Insurance in Wickliffe, Ohio
Homes in Wickliffe carry a median value of $166,900 - 22% lower than the Lake County median.
The typical home in Wickliffe was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 65% of homes were built before 1960, about 33 points above Lake County's 32%.
In Wickliffe, the housing stock is 87% single-family homes and 9% apartments in buildings with 5+ units.
About 56% of owner-occupied homes in Wickliffe have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wickliffe has an owner-occupancy rate of 78% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Wickliffe - 90% - 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.
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 | $166,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)