Home Insurance in East Syracuse, New York
The median home value in East Syracuse is $126,200, 37% lower than the Onondaga County median.
The median home in East Syracuse was built in 1939 or earlier. About 80% of homes were built before 1960, about 36 points above Onondaga County's 45%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In East Syracuse, the housing stock is 43% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In East Syracuse, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in East Syracuse are owner-occupied.
67% of homes in East Syracuse are primarily heated with natural gas.
Onondaga County's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. 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 | $126,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)