Home Insurance in Auburn, New York
Homes in Auburn carry a median value of $152,800 - 11% lower than the Cayuga County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Auburn was built around 1947. About 64% of homes were built before 1960, about 12 points above Cayuga County's 52%.
The housing stock in Auburn is 49% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Auburn, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Auburn are owner-occupied.
Most homes in Auburn - 73% - are primarily heated with natural gas.
FEMA rates Cayuga County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Cayuga County had 308 active NFIP flood policies as of September 2026. See the full Cayuga 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 | $152,800 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Cayuga County | 308 |
| 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)