Home Insurance in Lisle, New York
The median home value in Lisle is $116,300, 25% lower than the Broome County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Lisle was built in 1939 or earlier. About 86% of homes were built before 1960, about 34 points above Broome County's 52%.
In Lisle, the housing stock is 86% single-family homes, 1% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lisle, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lisle has an owner-occupancy rate of 89% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lisle, 46% of homes are primarily heated with fuel oil.
What's the biggest home insurance risk near Lisle? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Broome County and 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.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $116,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)