Home Insurance in Dunkirk, New York
The median home value in Dunkirk is $94,700, 26% lower than the Chautauqua County median.
The typical home in Dunkirk was built around 1941. About 74% of homes were built before 1960, about 15 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 Dunkirk breaks down to 68% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Dunkirk, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Dunkirk are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
84% of homes in Dunkirk are primarily heated with natural gas.
FEMA rates Chautauqua County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). 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.
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 | $94,700 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)