Quick answer
Yes. Rocky River, Avon Lake, and Bay Village are profiled individually on this site because they carry some of the shoreline’s most established luxury markets, but Lake Erie’s Ohio coastline runs much farther, from the Toledo area in the west through Cleveland’s eastern suburbs and beyond. Wind and water exposure applies to any property with direct or near-direct lake access, not just the specific towns named here.
If your property sits on or near the shoreline outside those three communities, the same considerations apply: standard inland policies typically don’t price lakefront wind and water risk correctly, and a full asset review is the way to find out what proper coverage actually looks like for your specific stretch of coastline.