Home Insurance in Rushville, New York
The median home value in Rushville is $147,100, 20% lower than the Yates County median.
The typical home in Rushville was built around 1940. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 60% of homes were built before 1960, about 17 points above Yates County's 42%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rushville is 72% single-family homes, 20% apartments in buildings with 5+ units and 8% mobile or manufactured homes.
In Rushville, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Rushville are owner-occupied.
Most homes in Rushville - 75% - are primarily heated with natural gas.
What's the biggest home insurance risk near Rushville? FEMA's National Risk Index points to inland flooding (Relatively Low) in Yates County and 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.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $147,100 |
|---|---|
| Median year built | 1940 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)