Home Insurance in Bath, New York
The median home value in Bath is $101,700, 26% lower than the Steuben County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bath was built around 1957. About 53% of homes were built before 1960, about 6 points above Steuben County's 47%.
The housing stock in Bath is 51% single-family homes, 19% apartments in buildings with 5+ units and 10% 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 54% of owner-occupied homes in Bath have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Bath are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Bath are primarily heated with electricity.
What's the biggest home insurance risk near Bath? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Steuben County and Steuben County had 517 active NFIP flood policies as of September 2026. See the full Steuben 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 | $101,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Steuben County | 517 |
| 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)