Home Insurance in Brushton, New York
With a median home value of $111,200, Brushton is 24% lower than the Franklin County median.
The median home in Brushton was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 63% of homes were built before 1960, about 17 points above Franklin County's 46%.
The housing stock in Brushton is 54% single-family homes, 15% apartments in buildings with 5+ units and 11% 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 Brushton, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Brushton are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Brushton, 60% of homes are primarily heated with fuel oil.
FEMA rates Franklin County's overall risk as Relatively Low, led by earthquake (Relatively Low). Franklin County had 83 active NFIP flood policies as of September 2026. See the full Franklin County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $111,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Franklin County | 83 |
| 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)