Home Insurance in Westfield, New York
The median home value in Westfield is $102,600, 20% lower than the Chautauqua County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Westfield was built in 1939 or earlier. About 77% of homes were built before 1960, about 18 points above Chautauqua County's 59%.
Housing in Westfield breaks down to 65% single-family homes, 4% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Westfield, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Westfield are owner-occupied.
54% of homes in Westfield are primarily heated with natural gas.
Chautauqua County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $102,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)