Home Insurance in Endicott, New York
The median home value in Endicott is $121,800, 21% lower than the Broome County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Endicott was built around 1941. About 72% of homes were built before 1960, about 20 points above Broome County's 52%.
In Endicott, the housing stock is 40% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Endicott, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 39% of occupied homes in Endicott are owner-occupied.
67% of homes in Endicott are primarily heated with natural gas.
FEMA rates Broome County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Broome County had 1,534 active NFIP flood policies as of September 2026. See the full Broome County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $121,800 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Broome County | 1,534 |
| Home insurance premium | $1,801 - 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)