Home Insurance in Ellenville, New York
Homes in Ellenville carry a median value of $218,200 - 38% lower than the Ulster County median.
The typical home in Ellenville was built around 1950. About 70% of homes were built before 1960, about 26 points above Ulster County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Ellenville breaks down to 51% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Ellenville, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 49% of occupied homes in Ellenville are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 56% of homes in Ellenville are primarily heated with fuel oil.
What's the biggest home insurance risk near Ellenville? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Ulster County and Ulster County had 1,031 active NFIP flood policies as of September 2026. See the full Ulster 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 | $218,200 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Ulster County | 1,031 |
| 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)