Home Insurance in Webster, New York
With a median home value of $218,400, Webster is close to the Monroe County median.
The typical home in Webster was built around 1971. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 8 points below Monroe County's 43%.
The housing stock in Webster is 46% single-family homes and 34% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Webster, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 36% of occupied homes in Webster are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
66% of homes in Webster 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 | $218,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 36% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)