Home Insurance in Oneida County, New York
With a median home value of $182,600, Oneida County is 57% lower than the New York median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Oneida County was built around 1958. About 54% of homes were built before 1960, about 2 points above New York's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oneida County is 65% single-family homes, 11% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
51% of owner-occupied homes in Oneida County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Oneida County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Oneida County - 57% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Oneida County's top hazards are winter weather (Very High), strong wind (Relatively High) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Oneida County has 539 active NFIP flood policies on file.
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 | $182,600 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 539 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Boonville
- Camden
- Clayville
- Clinton
- Holland Patent
- New Hartford
- New York Mills
- Oneida Castle
- Oriskany
- Oriskany Falls
- Remsen
- Rome
- Sherrill
- Sylvan Beach
- Utica
- Vernon
- Waterville
- Whitesboro
- Yorkville
Sources
- 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)