Home Insurance in Remsen, New York
The median home value in Remsen is $100,000, 45% lower than the Oneida County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Remsen was built in 1939 or earlier. About 68% of homes were built before 1960, about 14 points above Oneida County's 54%.
The housing stock in Remsen is 49% single-family homes, 23% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Remsen carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Remsen has an owner-occupancy rate of 57% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in Remsen are primarily heated with fuel oil.
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.
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 | $100,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)