Home Insurance in Oneida Castle, New York
The median home value in Oneida Castle is $174,300, close to the Oneida County median.
The typical home in Oneida Castle was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 17 points above Oneida County's 54%.
In Oneida Castle, the housing stock is 73% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Oneida Castle, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oneida Castle has an owner-occupancy rate of 72% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Oneida Castle - 72% - are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $174,300 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)