Home Insurance in North Hornell, New York
Homes in North Hornell carry a median value of $161,700 - 17% higher than the Steuben County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in North Hornell was built around 1951. About 78% of homes were built before 1960, about 30 points above Steuben County's 47%.
In North Hornell, the housing stock is 92% single-family homes and 3% apartments in buildings with 5+ units.
In North Hornell, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in North Hornell are owner-occupied.
Most homes in North Hornell - 74% - are primarily heated with natural gas.
FEMA rates Steuben County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $161,700 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)