Home Insurance in Boonville, New York
Homes in Boonville carry a median value of $177,700 - close to the Oneida County median.
The typical home in Boonville was built around 1955. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 58% of homes were built before 1960, about 4 points above Oneida County's 54%.
Housing in Boonville breaks down to 59% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 53% of owner-occupied homes in Boonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Boonville has an owner-occupancy rate of 53% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
43% of homes in Boonville are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Boonville? FEMA's National Risk Index points to winter weather (Very High) in Oneida County and Oneida County had 539 active NFIP flood policies as of September 2026. See the full Oneida County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $177,700 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Oneida County | 539 |
| 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)