Home Insurance in Summit County, Ohio
The median home value in Summit County is $208,700, close to the Ohio median.
The typical home in Summit County was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 43% of homes were built before 1960, about 5 points above Ohio's 38%.
Housing in Summit County breaks down to 77% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Summit County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Summit County are owner-occupied.
In Summit County, 83% of homes are primarily heated with natural gas.
The top hazards for Summit County, per FEMA's National Risk Index, are hail (Relatively High), strong wind (Relatively High) and winter weather (Relatively High).
Summit County had 971 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $208,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively High), Winter Weather (Relatively High) |
| Active NFIP flood policies (county) | 971 |
| Home insurance premium | $1,116 - statewide average (NAIC, 2023 data) |
Towns and cities
- Akron
- Barberton
- Boston Heights
- Clinton
- Cuyahoga Falls
- Fairlawn
- Green
- Hudson
- Lakemore
- Macedonia
- Mogadore
- Munroe Falls
- New Franklin
- Northfield
- Norton
- Peninsula
- Reminderville
- Richfield
- Silver Lake
- Stow
- Tallmadge
- Twinsburg
Sources
- 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)