Home Insurance in Clinton, New York
The median home value in Clinton is $310,100, 70% higher than the Oneida County median.
The median home in Clinton was built in 1939 or earlier. About 68% of homes were built before 1960, about 14 points above Oneida County's 54%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Clinton breaks down to 57% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Clinton, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Clinton are owner-occupied.
Most homes in Clinton - 82% - are primarily heated with natural gas.
Oneida County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $310,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)