HomeInsuranceQts

Home Insurance in North Syracuse, New York

With a median home value of $163,000, North Syracuse is 19% lower than the Onondaga County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North Syracuse was built around 1959. About 53% of homes were built before 1960, about 9 points above Onondaga County's 45%.

Housing in North Syracuse breaks down to 74% single-family homes and 21% apartments in buildings with 5+ units.

76% of owner-occupied homes in North Syracuse carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in North Syracuse are owner-occupied.

In North Syracuse, 73% of homes are primarily heated with natural gas.

FEMA rates Onondaga County's overall risk as Relatively Moderate, led by strong wind (Very High). 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.

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$163,000
Median year built1959
Owner-occupied share67%
Share of owner-occupied homes with a mortgage76%
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 North Syracuse, NY

Nearby towns

Sources

Data last updated: 2026-09-29