Home Insurance in Monroe County, New York
With a median home value of $213,700, Monroe County is 50% lower than the New York median.
The typical home in Monroe County was built around 1965. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 43% of homes were built before 1960, about 9 points below New York's 52%.
Housing in Monroe County breaks down to 68% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Monroe County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Monroe County has an owner-occupancy rate of 64% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Monroe County - 75% - are primarily heated with natural gas.
FEMA's National Risk Index lists inland flooding (Relatively High), winter weather (Relatively High) and tornado (Relatively Moderate) as the leading hazards for Monroe County.
Monroe County had 1,313 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $213,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively High), Winter Weather (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,313 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Hilton
- Median home value: $190,800
- Median year built: 1978
- Owner-occupied share: 60%
-
Spencerport
- Median home value: $188,400
- Median year built: 1965
- Owner-occupied share: 60%
Sources
- 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)