Home Insurance in Kenmore, New York
The median home value in Kenmore is $208,600, 11% lower than the Erie County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kenmore was built around 1941. About 86% of homes were built before 1960, about 31 points above Erie County's 55%.
In Kenmore, the housing stock is 66% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Kenmore carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Kenmore are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Kenmore - 91% - are primarily heated with natural gas.
Erie County had 1,469 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Erie County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $208,600 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)