Home Insurance in Lacona, New York
The median home value in Lacona is $131,300, 13% lower than the Oswego County median.
The typical home in Lacona was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 57% of homes were built before 1960, about 17 points above Oswego County's 40%.
In Lacona, the housing stock is 80% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Lacona have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Lacona are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lacona - 57% - are primarily heated with natural gas. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Oswego County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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.
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 | $131,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)