Home Insurance in Mannsville, New York
Homes in Mannsville carry a median value of $175,000 - 7% lower than the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Mannsville was built in 1939 or earlier. About 66% of homes were built before 1960, about 24 points above Jefferson County's 42%.
In Mannsville, the housing stock is 83% single-family homes and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Mannsville, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mannsville has an owner-occupancy rate of 80% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Mannsville - 83% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Mannsville? FEMA's National Risk Index points to winter weather (Relatively High) in Jefferson County and Jefferson County had 285 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $175,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Jefferson County | 285 |
| 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)