Home Insurance in Bloomingburg, New York
With a median home value of $412,500, Bloomingburg is 66% higher than the Sullivan County median.
The typical home in Bloomingburg was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 5 points below Sullivan County's 37%.
Housing in Bloomingburg breaks down to 48% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 82% of owner-occupied homes in Bloomingburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 12% of occupied homes in Bloomingburg are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 40% of homes in Bloomingburg are primarily heated with propane.
What's the biggest home insurance risk near Bloomingburg? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Sullivan County and Sullivan County had 402 active NFIP flood policies as of September 2026. See the full Sullivan 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 | $412,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 12% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Sullivan County | 402 |
| 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)