Home Insurance in Barker, New York
The median home value in Barker is $175,000, 8% lower than the Niagara County median.
The typical home in Barker was built around 1940. About 57% of homes were built before 1960, about 4 points above Niagara County's 53%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Barker is 61% single-family homes and 21% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Barker have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Barker are owner-occupied.
Most homes in Barker - 57% - are primarily heated with natural gas.
What's the biggest home insurance risk near Barker? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Niagara County and Niagara County had 509 active NFIP flood policies as of September 2026. See the full Niagara 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 | $175,000 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Niagara County | 509 |
| 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)