Home Insurance in Trumansburg, New York
With a median home value of $287,000, Trumansburg is close to the Tompkins County median.
The typical home in Trumansburg was built around 1952. About 54% of homes were built before 1960, about 18 points above Tompkins County's 36%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Trumansburg is 59% single-family homes, 11% apartments in buildings with 5+ units and 12% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
40% of owner-occupied homes in Trumansburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Trumansburg has an owner-occupancy rate of 59% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Trumansburg, 76% of homes are primarily heated with natural gas.
Tompkins County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Tompkins County had 411 active NFIP flood policies as of September 2026. See the full Tompkins 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 | $287,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Tompkins County | 411 |
| 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)