Home Insurance in Le Roy, New York
Homes in Le Roy carry a median value of $169,400 - close to the Genesee County median.
The typical home in Le Roy was built around 1940. About 64% of homes were built before 1960, about 10 points above Genesee County's 54%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Le Roy, the housing stock is 59% single-family homes, 32% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Le Roy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Le Roy has an owner-occupancy rate of 63% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Le Roy - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near Le Roy? FEMA's National Risk Index points to inland flooding (Relatively Low) in Genesee County and Genesee County had 232 active NFIP flood policies as of September 2026. 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 | $169,400 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)