Home Insurance in Brunswick, Ohio
Homes in Brunswick carry a median value of $249,100 - 13% lower than the Medina County median.
The typical home in Brunswick was built around 1979. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 4 points below Medina County's 20%.
Housing in Brunswick breaks down to 79% single-family homes and 18% apartments in buildings with 5+ units.
In Brunswick, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Brunswick are owner-occupied.
78% of homes in Brunswick are primarily heated with natural gas.
Medina County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Medina County had 260 active NFIP flood policies as of September 2026. See the full Medina 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 | $249,100 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Medina County | 260 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Nearby towns
- Strongsville
- North Royalton
- Medina
- Middleburg Heights
- Broadview Heights
- Berea
- Richfield
- Olmsted Falls
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)