Home Insurance in Pittsford, New York
With a median home value of $374,000, Pittsford is 75% higher than the Monroe County median.
The median home in Pittsford was built in 1939 or earlier. About 80% of homes were built before 1960, about 37 points above Monroe County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Pittsford is 90% single-family homes.
In Pittsford, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pittsford has an owner-occupancy rate of 78% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Pittsford - 88% - are primarily heated with natural gas.
Monroe County had 1,313 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively High). 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 | $374,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)