Home Insurance in Perry, New York
With a median home value of $120,700, Perry is 26% lower than the Wyoming County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Perry was built in 1939 or earlier. About 78% of homes were built before 1960, about 28 points above Wyoming County's 50%.
In Perry, the housing stock is 71% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
55% of owner-occupied homes in Perry carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 66% of occupied homes in Perry are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Perry, 78% of homes are primarily heated with natural gas.
Wyoming County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. 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.
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 | $120,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)