Home Insurance in Schoharie, New York
Homes in Schoharie carry a median value of $220,900 - 15% higher than the Schoharie County median.
The typical home in Schoharie was built around 1948. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 26 points above Schoharie County's 38%.
The housing stock in Schoharie is 65% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Schoharie, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Schoharie has an owner-occupancy rate of 54% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 38% of homes in Schoharie are primarily heated with fuel oil.
What's the biggest home insurance risk near Schoharie? FEMA's National Risk Index points to inland flooding (Relatively Low) in Schoharie County and Schoharie County had 324 active NFIP flood policies as of September 2026. See the full Schoharie County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $220,900 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Schoharie County | 324 |
| 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)