Home Insurance in Geneseo, New York
Homes in Geneseo carry a median value of $226,200 - 30% higher than the Livingston County median.
The typical home in Geneseo was built around 1974. About 28% of homes were built before 1960, about 14 points below Livingston County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Geneseo, the housing stock is 48% single-family homes and 35% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Geneseo, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 43% of occupied homes in Geneseo are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Geneseo, 58% of homes are primarily heated with natural gas.
FEMA rates Livingston County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Livingston County had 232 active NFIP flood policies as of September 2026. See the full Livingston 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 | $226,200 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Livingston 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)