Home Insurance in Sodus, New York
Homes in Sodus carry a median value of $95,500 - 44% lower than the Wayne County median.
The typical home in Sodus was built around 1943. About 70% of homes were built before 1960, about 26 points above Wayne County's 44%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Sodus, the housing stock is 77% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 67% of owner-occupied homes in Sodus have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Sodus has an owner-occupancy rate of 67% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Sodus, 77% of homes 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.
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 | $95,500 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)