Home Insurance in Onondaga County, New York
With a median home value of $200,200, Onondaga County is 53% lower than the New York median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Onondaga County was built around 1964. About 45% of homes were built before 1960, about 7 points below New York's 52%.
The housing stock in Onondaga County is 68% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Onondaga County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Onondaga County are owner-occupied.
70% of homes in Onondaga County are primarily heated with natural gas.
The top hazards for Onondaga County, per FEMA's National Risk Index, are strong wind (Very High), winter weather (Very High) and inland flooding (Relatively High).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Onondaga County has 1,234 active NFIP flood policies on file.
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 | $200,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Winter Weather (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 1,234 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Baldwinsville
- Camillus
- East Syracuse
- Elbridge
- Fabius
- Fayetteville
- Jordan
- Liverpool
- Manlius
- Marcellus
- Minoa
- North Syracuse
- Skaneateles
- Solvay
- Syracuse
- Tully
Sources
- 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)