Home Insurance in Oneida, New York
Homes in Oneida carry a median value of $160,100 - 13% lower than the Madison County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Oneida was built around 1946. About 62% of homes were built before 1960, about 15 points above Madison County's 46%.
Housing in Oneida breaks down to 62% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Oneida carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Oneida are owner-occupied.
68% of homes in Oneida are primarily heated with natural gas.
FEMA rates Madison County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Madison County had 330 active NFIP flood policies as of September 2026. See the full Madison 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 | $160,100 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Madison County | 330 |
| 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)