Home Insurance in Nunda, New York
Homes in Nunda carry a median value of $134,800 - 23% lower than the Livingston County median.
The typical home in Nunda was built around 1940. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 68% of homes were built before 1960, about 26 points above Livingston County's 42%.
In Nunda, the housing stock is 61% single-family homes, 14% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Nunda carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 56% of occupied homes in Nunda are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Nunda - 86% - 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 | $134,800 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)