Home Insurance in Minoa, New York
With a median home value of $179,400, Minoa is 10% lower than the Onondaga County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Minoa was built around 1971. About 39% of homes were built before 1960, about 6 points below Onondaga County's 45%.
In Minoa, the housing stock is 87% single-family homes and 11% apartments in buildings with 5+ units.
57% of owner-occupied homes in Minoa carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Minoa are owner-occupied.
Most homes in Minoa - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Minoa? 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.
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 | $179,400 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)