Home Insurance in Greene, New York
Homes in Greene carry a median value of $154,100 - 12% higher than the Chenango County median.
The typical home in Greene was built around 1946. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 61% of homes were built before 1960, about 17 points above Chenango County's 44%.
In Greene, the housing stock is 45% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Greene carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Greene has an owner-occupancy rate of 55% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Greene - 70% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Chenango County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Chenango County had 363 active NFIP flood policies as of September 2026. See the full Chenango 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 | $154,100 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Chenango County | 363 |
| 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)