Home Insurance in Middleville, New York
Homes in Middleville carry a median value of $163,100 - 10% higher than the Herkimer County median.
The median home in Middleville was built in 1939 or earlier. About 76% of homes were built before 1960, about 21 points above Herkimer County's 55%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Middleville is 87% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Middleville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Middleville has an owner-occupancy rate of 96% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
37% of homes in Middleville are primarily heated with fuel oil. 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.
FEMA rates Herkimer County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Herkimer County had 337 active NFIP flood policies as of September 2026. See the full Herkimer County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners 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 | $163,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Herkimer County | 337 |
| 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)