Home Insurance in Wilson, New York
With a median home value of $172,700, Wilson is 9% lower than the Niagara County median.
The typical home in Wilson was built around 1942. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 60% of homes were built before 1960, about 7 points above Niagara County's 53%.
The housing stock in Wilson is 80% single-family homes, 7% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Wilson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 82% of occupied homes in Wilson are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Wilson are primarily heated with natural gas.
Niagara County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $172,700 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)