Home Insurance in Castile, New York
Homes in Castile carry a median value of $141,400 - 13% lower than the Wyoming County median.
The typical home in Castile was built around 1957. About 52% of homes were built before 1960, about 2 points above Wyoming County's 50%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Castile is 63% single-family homes, 8% apartments in buildings with 5+ units and 6% 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.
45% of owner-occupied homes in Castile carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Castile has an owner-occupancy rate of 60% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
53% of homes in Castile are primarily heated with natural gas.
What's the biggest home insurance risk near Castile? 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 | $141,400 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)