Home Insurance in Clayville, New York
The median home value in Clayville is $137,500, 25% lower than the Oneida County median.
The median home in Clayville was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 88% of homes were built before 1960, about 34 points above Oneida County's 54%.
The housing stock in Clayville is 72% single-family homes and 1% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
57% of owner-occupied homes in Clayville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Clayville are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clayville - 95% - are primarily heated with natural gas.
FEMA rates Oneida County's overall risk as Relatively Moderate, led by winter weather (Very High). 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.
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 | $137,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)