Home Insurance in Oxford, New York
With a median home value of $118,400, Oxford is 14% lower than the Chenango County median.
The median home in Oxford was built in 1939 or earlier. About 84% of homes were built before 1960, about 41 points above Chenango County's 44%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Oxford is 71% single-family homes, 2% 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.
About 54% of owner-occupied homes in Oxford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Oxford has an owner-occupancy rate of 70% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Oxford - 64% - are primarily heated with natural gas. Homes heated with fuel oil and wood 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.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $118,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)