Home Insurance in Shortsville, New York
With a median home value of $134,600, Shortsville is 40% lower than the Ontario County median.
The median home in Shortsville 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 71% of homes were built before 1960, about 36 points above Ontario County's 35%.
The housing stock in Shortsville is 76% single-family homes, 2% apartments in buildings with 5+ units and 11% 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.
In Shortsville, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Shortsville has an owner-occupancy rate of 83% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Shortsville - 90% - are primarily heated with natural gas.
What's the biggest home insurance risk near Shortsville? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $134,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 83% |
| 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)