Home Insurance in Ontario County, New York
The median home value in Ontario County is $222,900, 47% lower than the New York median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ontario County was built around 1976. About 35% of homes were built before 1960, about 17 points below New York's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ontario County is 73% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 57% of owner-occupied homes in Ontario County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Ontario County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ontario County - 59% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Ontario County's top hazards are inland flooding (Relatively Moderate), strong wind (Relatively Moderate) and hurricane (Relatively Low).
As of September 2026, Ontario County has 341 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $222,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 341 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)