Home Insurance in Mayville, New York
The median home value in Mayville is $161,400, 26% higher than the Chautauqua County median.
The typical home in Mayville was built around 1952. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 63% of homes were built before 1960, about 4 points above Chautauqua County's 59%.
Housing in Mayville breaks down to 79% single-family homes, 7% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Mayville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mayville has an owner-occupancy rate of 73% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
52% of homes in Mayville are primarily heated with electricity.
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 | $161,400 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)