Home Insurance in Camillus, New York
Homes in Camillus carry a median value of $164,200 - 18% lower than the Onondaga County median.
The typical home in Camillus was built around 1958. About 52% of homes were built before 1960, about 8 points above Onondaga County's 45%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Camillus, the housing stock is 53% single-family homes, 32% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Camillus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Camillus has an owner-occupancy rate of 48% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
68% of homes in Camillus are primarily heated with natural gas.
Onondaga County had 1,234 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Onondaga 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 | $164,200 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)