Home Insurance in Margaretville, New York
With a median home value of $209,900, Margaretville is 15% higher than the Delaware County median.
The typical home in Margaretville was built around 1955. About 61% of homes were built before 1960, about 20 points above Delaware County's 40%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Margaretville, the housing stock is 65% single-family homes, 6% apartments in buildings with 5+ units and 7% 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.
In Margaretville, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Margaretville has an owner-occupancy rate of 58% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
57% of homes in Margaretville are primarily heated with fuel oil. 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 Delaware County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). 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 | $209,900 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)