Home Insurance in Brockport, New York
With a median home value of $157,700, Brockport is 26% lower than the Monroe County median.
The typical home in Brockport was built around 1965. 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 Monroe County's 43%.
The housing stock in Brockport is 58% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Brockport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brockport has an owner-occupancy rate of 47% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Brockport, 74% of homes are primarily heated with natural gas.
FEMA rates Monroe County's overall risk as Relatively Moderate, led by inland flooding (Relatively High). Monroe County had 1,313 active NFIP flood policies as of September 2026. See the full Monroe 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 | $157,700 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Monroe County | 1,313 |
| 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)