Home Insurance in Attica, New York
The median home value in Attica is $157,400, close to the Wyoming County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Attica was built in 1939 or earlier. About 79% of homes were built before 1960, about 29 points above Wyoming County's 50%.
In Attica, the housing stock is 67% single-family homes and 9% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Attica, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Attica are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Attica are primarily heated with natural gas.
What's the biggest home insurance risk near Attica? FEMA's National Risk Index points to inland flooding (Relatively Low) in Wyoming County and Wyoming County had 86 active NFIP flood policies as of September 2026. See the full Wyoming 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 | $157,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Wyoming County | 86 |
| 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)