Home Insurance in Tully, New York
With a median home value of $186,700, Tully is 7% lower than the Onondaga County median.
The typical home in Tully was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 47% of homes were built before 1960, about 2 points above Onondaga County's 45%.
Housing in Tully breaks down to 63% single-family homes and 29% apartments in buildings with 5+ units.
In Tully, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tully has an owner-occupancy rate of 58% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Tully - 59% - 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.
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 | $186,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)