Home Insurance in Boston Heights, Ohio
The median home value in Boston Heights is $431,800, 107% higher than the Summit County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Boston Heights was built around 1988. About 32% of homes were built before 1960, about 11 points below Summit County's 43%.
The housing stock in Boston Heights is 99% single-family homes.
66% of owner-occupied homes in Boston Heights carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Boston Heights are owner-occupied.
91% of homes in Boston Heights are primarily heated with natural gas.
Summit County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Summit County had 971 active NFIP flood policies as of September 2026. See the full Summit 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 | $431,800 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Summit County | 971 |
| 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)