Home Insurance in Johnson City, New York
With a median home value of $117,100, Johnson City is 24% lower than the Broome County median.
The typical home in Johnson City was built around 1949. About 70% of homes were built before 1960, about 17 points above Broome County's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Johnson City is 55% single-family homes, 24% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Johnson City, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Johnson City are owner-occupied.
In Johnson City, 73% of homes are primarily heated with natural gas.
Broome County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $117,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)