Home Insurance in Northfield, Ohio
Homes in Northfield carry a median value of $166,700 - 20% lower than the Summit County median.
The typical home in Northfield was built around 1966. About 27% of homes were built before 1960, about 16 points below Summit County's 43%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Northfield, the housing stock is 79% single-family homes, 17% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Northfield, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Northfield are owner-occupied.
90% of homes in Northfield are primarily heated with natural gas.
What's the biggest home insurance risk near Northfield? FEMA's National Risk Index points to hail (Relatively High) in Summit County and 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.
The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $166,700 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)