Home Insurance in Williamsville, New York
Homes in Williamsville carry a median value of $278,900 - 19% higher than the Erie County median.
The typical home in Williamsville was built around 1948. About 74% of homes were built before 1960, about 19 points above Erie County's 55%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Williamsville, the housing stock is 69% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 57% of owner-occupied homes in Williamsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Williamsville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Williamsville - 87% - 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.
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 | $278,900 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 64% |
| 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)