Home Insurance in Oswego County, New York
Homes in Oswego County carry a median value of $151,700 - 64% lower than the New York median.
The typical home in Oswego County was built around 1971. About 40% of homes were built before 1960, about 12 points below New York's 52%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Oswego County is 70% single-family homes, 7% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Oswego County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Oswego County are owner-occupied.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Oswego County are primarily heated with natural gas.
Per FEMA's National Risk Index, Oswego County's top hazards are winter weather (Relatively High), inland flooding (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Oswego County has 296 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $151,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 296 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)