Home Insurance in Elbridge, New York
Homes in Elbridge carry a median value of $160,200 - 20% lower than the Onondaga County median.
The typical home in Elbridge was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 39% of homes were built before 1960, about 6 points below Onondaga County's 45%.
In Elbridge, the housing stock is 83% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Elbridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Elbridge are owner-occupied.
Most homes in Elbridge - 83% - 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 | $160,200 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)