Home Insurance in Manlius, New York
The median home value in Manlius is $263,300, 32% higher than the Onondaga County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manlius was built around 1968. About 29% of homes were built before 1960, about 15 points below Onondaga County's 45%.
In Manlius, the housing stock is 61% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
58% of owner-occupied homes in Manlius carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Manlius are owner-occupied.
Most homes in Manlius - 74% - 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.
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 | $263,300 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)