Home Insurance in Steuben County, New York
With a median home value of $137,900, Steuben County is 67% lower than the New York median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Steuben County was built around 1963. About 47% of homes were built before 1960, about 5 points below New York's 52%.
In Steuben County, the housing stock is 69% single-family homes, 9% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Steuben County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in Steuben County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
55% of homes in Steuben County are primarily heated with natural gas. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Steuben County, per FEMA's National Risk Index, are inland flooding (Relatively Moderate), hurricane (Relatively Low) and tornado (Relatively Low).
As of September 2026, Steuben County has 517 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $137,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 517 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Arkport
- Bath
- Canisteo
- Cohocton
- Corning
- Hammondsport
- Hornell
- North Hornell
- Painted Post
- Riverside
- Savona
- South Corning
- Wayland
Smaller communities
-
Addison
- Median home value: $97,300
- Median year built: 1939 or earlier
- Owner-occupied share: 78%
-
Avoca
- Median home value: $84,200
- Median year built: 1939 or earlier
- Owner-occupied share: 73%
Sources
- 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)