Home Insurance in Clifton Springs, New York
Homes in Clifton Springs carry a median value of $178,300 - 20% lower than the Ontario County median.
The median home in Clifton Springs was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 79% of homes were built before 1960, about 43 points above Ontario County's 35%.
Housing in Clifton Springs breaks down to 63% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 70% of owner-occupied homes in Clifton Springs have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clifton Springs has an owner-occupancy rate of 61% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Clifton Springs - 69% - are primarily heated with natural gas.
Ontario County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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 | $178,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)