Home Insurance in Yorkville, New York
The median home value in Yorkville is $156,300, 14% lower than the Oneida County median.
The typical home in Yorkville was built around 1950. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 87% of homes were built before 1960, about 34 points above Oneida County's 54%.
Housing in Yorkville breaks down to 66% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Yorkville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Yorkville are owner-occupied.
Most homes in Yorkville - 82% - are primarily heated with natural gas.
Oneida County had 539 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $156,300 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)