Home Insurance in Fulton, New York
With a median home value of $101,000, Fulton is 33% lower than the Oswego County median.
The typical home in Fulton was built around 1951. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 64% of homes were built before 1960, about 23 points above Oswego County's 40%.
In Fulton, the housing stock is 54% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Fulton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Fulton has an owner-occupancy rate of 54% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
70% of homes in Fulton are primarily heated with natural gas.
FEMA rates Oswego County's overall risk as Relatively Low, led by winter weather (Relatively High). Oswego County had 296 active NFIP flood policies as of September 2026. See the full Oswego County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $101,000 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Oswego County | 296 |
| 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)