Home Insurance in Stamford, New York
The median home value in Stamford is $178,600, close to the Delaware County median.
The typical home in Stamford was built around 1945. About 63% of homes were built before 1960, about 23 points above Delaware County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Stamford, the housing stock is 56% single-family homes, 11% apartments in buildings with 5+ units and 3% 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 37% of owner-occupied homes in Stamford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Stamford are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 50% of homes in Stamford are primarily heated with fuel oil.
What's the biggest home insurance risk near Stamford? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Delaware County and 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.
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 | $178,600 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)