Home Insurance in Oswego, New York
Homes in Oswego carry a median value of $120,600 - 21% lower than the Oswego County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Oswego was built in 1939 or earlier. About 70% of homes were built before 1960, about 29 points above Oswego County's 40%.
Housing in Oswego breaks down to 66% single-family homes and 13% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Oswego, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oswego has an owner-occupancy rate of 50% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
73% of homes in Oswego are primarily heated with natural gas.
Oswego County had 296 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). See the full Oswego County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $120,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)