Home Insurance in Elmira Heights, New York
The median home value in Elmira Heights is $104,800, 26% lower than the Chemung County median.
The median home in Elmira Heights was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 76% of homes were built before 1960, about 18 points above Chemung County's 58%.
Housing in Elmira Heights breaks down to 61% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 39% of owner-occupied homes in Elmira Heights have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Elmira Heights has an owner-occupancy rate of 52% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
73% of homes in Elmira Heights are primarily heated with natural gas.
What's the biggest home insurance risk near Elmira Heights? FEMA's National Risk Index points to inland flooding (Relatively Low) in Chemung County and Chemung County had 489 active NFIP flood policies as of September 2026. See the full Chemung 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 | $104,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Chemung County | 489 |
| 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)