Home Insurance in Phoenix, New York
Homes in Phoenix carry a median value of $157,000 - close to the Oswego County median.
The median home in Phoenix was built in 1939 or earlier. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 73% of homes were built before 1960, about 32 points above Oswego County's 40%.
The housing stock in Phoenix is 54% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 73% of owner-occupied homes in Phoenix have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Phoenix has an owner-occupancy rate of 48% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Phoenix, 73% of homes 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 | $157,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)