Home Insurance in Otisville, New York
With a median home value of $314,600, Otisville is 19% lower than the Orange County median.
The typical home in Otisville was built around 1956. About 54% of homes were built before 1960, about 19 points above Orange 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 Otisville is 77% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
75% of owner-occupied homes in Otisville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Otisville are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 56% of homes in Otisville are primarily heated with fuel oil.
Orange County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Orange County had 1,686 active NFIP flood policies as of September 2026. See the full Orange County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $314,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Orange County | 1,686 |
| 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)