Home Insurance in Wyoming County, New York
The median home value in Wyoming County is $162,300, 62% lower than the New York median.
The typical home in Wyoming County was built around 1960. About 50% of homes were built before 1960, about 2 points below New York's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Wyoming County, the housing stock is 76% single-family homes, 4% apartments in buildings with 5+ units and 9% 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.
About 50% of owner-occupied homes in Wyoming County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 76% of occupied homes in Wyoming County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Wyoming County are primarily heated with natural gas.
FEMA's National Risk Index lists inland flooding (Relatively Low), hurricane (Relatively Low) and hail (Relatively Low) as the leading hazards for Wyoming County.
Wyoming County had 86 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $162,300 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Hurricane (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 86 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)