HomeInsuranceQts

Home Insurance in Liverpool, New York

The median home value in Liverpool is $189,600, 5% lower than the Onondaga County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Liverpool was built in 1939 or earlier. About 77% of homes were built before 1960, about 33 points above Onondaga County's 45%.

Housing in Liverpool breaks down to 69% single-family homes and 14% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

54% of owner-occupied homes in Liverpool carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Liverpool are owner-occupied.

Most homes in Liverpool - 70% - 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.

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$189,600
Median year built1939 or earlier
Owner-occupied share63%
Share of owner-occupied homes with a mortgage54%
Top county hazardStrong Wind (Very High)
Active NFIP policies in Onondaga County1,234
Home insurance premium$1,801 - statewide average (NAIC, 2023 data)
Key home insurance figures for Liverpool, NY

Nearby towns

Sources

Data last updated: 2026-09-29