Home Insurance in Cassadaga, New York
Homes in Cassadaga carry a median value of $121,900 - close to the Chautauqua County median.
The typical home in Cassadaga was built around 1941. About 77% of homes were built before 1960, about 18 points above Chautauqua County's 59%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Cassadaga breaks down to 89% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Cassadaga, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Cassadaga has an owner-occupancy rate of 87% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
In Cassadaga, 94% of homes are primarily heated with natural gas.
Chautauqua County had 415 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
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 | $121,900 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)