Home Insurance in Oriskany, New York
Homes in Oriskany carry a median value of $170,100 - 7% lower than the Oneida County median.
The typical home in Oriskany was built around 1955. About 61% of homes were built before 1960, about 7 points above Oneida County's 54%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Oriskany is 65% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
51% of owner-occupied homes in Oriskany carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Oriskany are owner-occupied.
In Oriskany, 83% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Oriskany? 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 | $170,100 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)