Home Insurance in Dundee, New York
Homes in Dundee carry a median value of $95,900 - 48% lower than the Yates County median.
The typical home in Dundee was built around 1958. About 51% of homes were built before 1960, about 8 points above Yates County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Dundee, the housing stock is 46% single-family homes, 20% apartments in buildings with 5+ units and 14% 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.
In Dundee, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Dundee are owner-occupied.
In Dundee, 73% of homes are primarily heated with natural gas.
Yates County's top FEMA-rated hazard is inland flooding (Relatively Low), per FEMA's National Risk Index. Yates County had 183 active NFIP flood policies as of September 2026. See the full Yates 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 | $95,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Yates County | 183 |
| 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)