Home Insurance in East Rochester, New York
The median home value in East Rochester is $143,500, 33% lower than the Monroe County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in East Rochester was built around 1941. About 70% of homes were built before 1960, about 27 points above Monroe County's 43%.
In East Rochester, the housing stock is 64% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In East Rochester, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in East Rochester are owner-occupied.
Most homes in East Rochester - 87% - are primarily heated with natural gas.
Monroe County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. 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.
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 | $143,500 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)