Home Insurance in Livonia, New York
The median home value in Livonia is $193,000, 11% higher than the Livingston County median.
The typical home in Livonia was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 2 points above Livingston County's 42%.
The housing stock in Livonia is 66% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Livonia, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Livonia has an owner-occupancy rate of 65% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Livonia, 80% 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.
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 | $193,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)