Home Insurance in Leicester, New York
With a median home value of $146,500, Leicester is 16% lower than the Livingston County median.
The typical home in Leicester was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 52% of homes were built before 1960, about 10 points above Livingston County's 42%.
In Leicester, the housing stock is 87% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Leicester, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Leicester are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Leicester, 84% of homes are primarily heated with natural gas.
Livingston County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $146,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)