Home Insurance in Parish, New York
Homes in Parish carry a median value of $129,300 - 15% lower than the Oswego County median.
The median home in Parish was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 74% of homes were built before 1960, about 33 points above Oswego County's 40%.
The housing stock in Parish is 72% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Parish, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Parish are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Parish, 41% of homes are primarily heated with fuel oil.
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 | $129,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)