Home Insurance in Blasdell, New York
The median home value in Blasdell is $170,200, 27% lower than the Erie County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Blasdell was built around 1943. About 80% of homes were built before 1960, about 25 points above Erie County's 55%.
In Blasdell, the housing stock is 64% single-family homes, 9% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 75% of owner-occupied homes in Blasdell have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Blasdell has an owner-occupancy rate of 61% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Blasdell, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Blasdell? FEMA's National Risk Index points to winter weather (Very High) in Erie County and Erie County had 1,469 active NFIP flood policies as of September 2026. See the full Erie County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $170,200 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Erie County | 1,469 |
| 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)