Home Insurance in Brocton, New York
With a median home value of $110,100, Brocton is 14% lower than the Chautauqua County median.
The typical home in Brocton was built around 1955. About 60% of homes were built before 1960, in line with Chautauqua County (59%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Brocton is 62% single-family homes, 6% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Brocton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brocton has an owner-occupancy rate of 65% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
65% of homes in Brocton are primarily heated with natural gas.
What's the biggest home insurance risk near Brocton? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Chautauqua County and Chautauqua County had 415 active NFIP flood policies as of September 2026. See the full Chautauqua 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 | $110,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Chautauqua County | 415 |
| 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)