Home Insurance in Portville, New York
Homes in Portville carry a median value of $102,900 - 9% lower than the Cattaraugus County median.
The typical home in Portville was built around 1946. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 78% of homes were built before 1960, about 28 points above Cattaraugus County's 50%.
The housing stock in Portville is 76% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Portville, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Portville are owner-occupied.
In Portville, 89% of homes are primarily heated with natural gas.
Cattaraugus County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Cattaraugus County had 449 active NFIP flood policies as of September 2026. See the full Cattaraugus 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 | $102,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cattaraugus County | 449 |
| 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)