Home Insurance in Painted Post, New York
Homes in Painted Post carry a median value of $155,900 - 13% higher than the Steuben County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Painted Post was built around 1946. About 71% of homes were built before 1960, about 24 points above Steuben County's 47%.
In Painted Post, the housing stock is 70% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
65% of owner-occupied homes in Painted Post carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Painted Post has an owner-occupancy rate of 63% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Painted Post - 82% - are primarily heated with natural gas.
What's the biggest home insurance risk near Painted Post? 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.
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 | $155,900 |
|---|---|
| Median year built | 1946 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)