Home Insurance in Baldwinsville, New York
With a median home value of $219,900, Baldwinsville is 10% higher than the Onondaga County median.
The typical home in Baldwinsville was built around 1975. About 38% of homes were built before 1960, about 7 points below Onondaga County's 45%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Baldwinsville, the housing stock is 57% single-family homes and 34% apartments in buildings with 5+ units.
71% of owner-occupied homes in Baldwinsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Baldwinsville has an owner-occupancy rate of 52% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Baldwinsville - 63% - are primarily heated with natural gas.
What's the biggest home insurance risk near Baldwinsville? FEMA's National Risk Index points to strong wind (Very High) in Onondaga County and Onondaga County had 1,234 active NFIP flood policies as of September 2026. See the full Onondaga County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $219,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Onondaga County | 1,234 |
| 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)