Home Insurance in Marcellus, New York
With a median home value of $225,600, Marcellus is 13% higher than the Onondaga County median.
The typical home in Marcellus was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 14 points above Onondaga County's 45%.
Housing in Marcellus breaks down to 59% single-family homes and 31% apartments in buildings with 5+ units.
About 51% of owner-occupied homes in Marcellus have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Marcellus are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Marcellus, 74% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Marcellus? FEMA's National Risk Index points to strong wind (Very High) in Onondaga County and 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 | $225,600 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)