Home Insurance in Warsaw, New York
Homes in Warsaw carry a median value of $105,100 - 35% lower than the Wyoming County median.
The typical home in Warsaw was built around 1941. About 63% of homes were built before 1960, about 13 points above Wyoming County's 50%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Warsaw, the housing stock is 62% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 51% of owner-occupied homes in Warsaw have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Warsaw are owner-occupied.
72% of homes in Warsaw are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Wyoming County's overall risk as Very Low, led by inland flooding (Relatively Low). 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 | $105,100 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)