Home Insurance in Holland Patent, New York
Homes in Holland Patent carry a median value of $234,800 - 29% higher than the Oneida County median.
The median home in Holland Patent was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 71% of homes were built before 1960, about 18 points above Oneida County's 54%.
In Holland Patent, the housing stock is 80% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
63% of owner-occupied homes in Holland Patent carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Holland Patent are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Holland Patent - 54% - 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.
What's the biggest home insurance risk near Holland Patent? 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 | $234,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)