Home Insurance in Fleischmanns, New York
Homes in Fleischmanns carry a median value of $281,300 - 54% higher than the Delaware County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fleischmanns was built around 1942. About 59% of homes were built before 1960, about 18 points above Delaware County's 40%.
Housing in Fleischmanns breaks down to 73% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Fleischmanns, about 29% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 84% of occupied homes in Fleischmanns are owner-occupied. The vacancy rate is 77%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
43% of homes in Fleischmanns are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Delaware County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Delaware County had 636 active NFIP flood policies as of September 2026. See the full Delaware County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $281,300 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Delaware County | 636 |
| 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)