Home Insurance in Medina, New York
The median home value in Medina is $107,200, 24% lower than the Orleans County median.
The median home in Medina was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 70% of homes were built before 1960, about 15 points above Orleans County's 54%.
In Medina, the housing stock is 63% single-family homes, 11% apartments in buildings with 5+ units and 6% 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.
About 55% of owner-occupied homes in Medina have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Medina has an owner-occupancy rate of 57% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Medina - 71% - are primarily heated with natural gas.
Orleans County's top FEMA-rated hazard is hurricane (Very Low), per FEMA's National Risk Index. Orleans County had 56 active NFIP flood policies as of September 2026. See the full Orleans 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 | $107,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Orleans County | 56 |
| 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)