Home Insurance in Bloomfield, New York
The median home value in Bloomfield is $176,500, 21% lower than the Ontario County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bloomfield was built around 1964. About 45% of homes were built before 1960, about 10 points above Ontario County's 35%.
In Bloomfield, the housing stock is 73% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 69% of owner-occupied homes in Bloomfield have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Bloomfield are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Bloomfield are primarily heated with natural gas.
FEMA rates Ontario County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Ontario County had 341 active NFIP flood policies as of September 2026. See the full Ontario County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $176,500 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Ontario County | 341 |
| 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)