Home Insurance in Scottsville, New York
With a median home value of $169,000, Scottsville is 21% lower than the Monroe County median.
The typical home in Scottsville was built around 1958. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 10 points above Monroe County's 43%.
The housing stock in Scottsville is 84% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 76% of owner-occupied homes in Scottsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Scottsville has an owner-occupancy rate of 72% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
In Scottsville, 85% of homes 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.
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 | $169,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)