Home Insurance in Pulaski, New York
Homes in Pulaski carry a median value of $158,100 - close to the Oswego County median.
The typical home in Pulaski was built around 1961. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 49% of homes were built before 1960, about 9 points above Oswego County's 40%.
The housing stock in Pulaski is 41% single-family homes, 27% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Pulaski, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 38% of occupied homes in Pulaski are owner-occupied.
Most homes in Pulaski - 54% - are primarily heated with natural gas.
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.
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 | $158,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)