Home Insurance in Skaneateles, New York
Homes in Skaneateles carry a median value of $647,100 - 223% higher than the Onondaga County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Skaneateles was built in 1939 or earlier. About 67% of homes were built before 1960, about 23 points above Onondaga County's 45%.
Housing in Skaneateles breaks down to 75% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Skaneateles have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Skaneateles are owner-occupied.
In Skaneateles, 78% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Skaneateles? 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 | $647,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)