Home Insurance in Canandaigua, New York
The median home value in Canandaigua is $229,100, close to 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 Canandaigua was built around 1962. About 48% of homes were built before 1960, about 13 points above Ontario County's 35%.
In Canandaigua, the housing stock is 53% single-family homes, 27% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Canandaigua carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Canandaigua has an owner-occupancy rate of 51% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
70% of homes in Canandaigua 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 | $229,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)