Home Insurance in Clyde, New York
Homes in Clyde carry a median value of $96,900 - 43% lower than the Wayne County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Clyde was built in 1939 or earlier. About 72% of homes were built before 1960, about 28 points above Wayne County's 44%.
The housing stock in Clyde is 77% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 43% of owner-occupied homes in Clyde have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Clyde has an owner-occupancy rate of 81% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
80% of homes in Clyde are primarily heated with natural gas.
FEMA rates Wayne County's overall risk as Relatively Low, led by hail (Relatively Moderate). Wayne County had 173 active NFIP flood policies as of September 2026. See the full Wayne County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $96,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wayne County | 173 |
| 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)