Home Insurance in Batavia, New York
The median home value in Batavia is $148,900, 13% lower than the Genesee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Batavia was built around 1944. About 66% of homes were built before 1960, about 12 points above Genesee County's 54%.
Housing in Batavia breaks down to 54% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Batavia have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Batavia are owner-occupied.
In Batavia, 80% of homes are primarily heated with natural gas.
Genesee County had 232 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). See the full Genesee County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $148,900 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Genesee County | 232 |
| 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)