Home Insurance in Manchester, New York
Homes in Manchester carry a median value of $110,000 - 51% lower than the Ontario County median.
The typical home in Manchester was built around 1964. About 48% of homes were built before 1960, about 13 points above Ontario County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Manchester is 60% single-family homes, 8% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Manchester carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Manchester are owner-occupied.
94% of homes in Manchester are primarily heated with natural gas.
What's the biggest home insurance risk near Manchester? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Ontario County and 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 | $110,000 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)