Home Insurance in Cuyahoga Falls, Ohio
Homes in Cuyahoga Falls carry a median value of $183,300 - 12% lower than the Summit County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Cuyahoga Falls was built around 1959. About 52% of homes were built before 1960, about 9 points above Summit County's 43%.
The housing stock in Cuyahoga Falls is 70% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 68% of owner-occupied homes in Cuyahoga Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Cuyahoga Falls are owner-occupied.
81% of homes in Cuyahoga Falls are primarily heated with natural gas.
Summit County had 971 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Summit 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 | $183,300 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)