Home Insurance in Sherrill, New York
With a median home value of $227,500, Sherrill is 25% higher than the Oneida County median.
The typical home in Sherrill was built around 1955. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 56% of homes were built before 1960, about 2 points above Oneida County's 54%.
The housing stock in Sherrill is 75% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 48% of owner-occupied homes in Sherrill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sherrill has an owner-occupancy rate of 73% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Sherrill - 61% - are primarily heated with natural gas.
FEMA rates Oneida County's overall risk as Relatively Moderate, led by winter weather (Very High). 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 | $227,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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)