Home Insurance in Naples, New York
Homes in Naples carry a median value of $156,400 - 30% lower than the Ontario County median.
The median home in Naples was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 78% of homes were built before 1960, about 42 points above Ontario County's 35%.
The housing stock in Naples is 71% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
60% of owner-occupied homes in Naples carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Naples are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Naples, 79% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Naples? 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.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $156,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)