Home Insurance in Herkimer County, New York
The median home value in Herkimer County is $147,700, 65% lower than the New York median.
The typical home in Herkimer County was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 55% of homes were built before 1960, about 3 points above New York's 52%.
In Herkimer County, the housing stock is 73% single-family homes, 6% apartments in buildings with 5+ units and 9% 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.
49% of owner-occupied homes in Herkimer County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Herkimer County are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Herkimer County are primarily heated with natural gas.
The top hazards for Herkimer County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), winter weather (Relatively Moderate) and hurricane (Relatively Low).
Herkimer County had 337 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $147,700 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Winter Weather (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 337 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Cold Brook
- Dolgeville
- Frankfort
- Herkimer
- Ilion
- Little Falls
- Middleville
- Mohawk
- Newport
- Poland
- West Winfield
Sources
- 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)