Home Insurance in Jeffersonville, New York
The median home value in Jeffersonville is $227,100, 9% lower than the Sullivan County median.
The typical home in Jeffersonville was built around 1943. About 71% of homes were built before 1960, about 34 points above Sullivan County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Jeffersonville, the housing stock is 70% single-family homes, 7% apartments in buildings with 5+ units and 7% 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.
In Jeffersonville, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Jeffersonville are owner-occupied.
80% of homes in Jeffersonville are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Sullivan County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $227,100 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)