Homeowners insurance cost in Oneida County, New York
A transparent county budgeting benchmark—not a carrier quote—with a deliberately wide range.
Estimated annual insurance budget
For a $182,600 home (the county median):
$2,030/yr (budgeting range $1,218–$2,842)
Low confidence State NAIC baseline scaled by replacement cost and county hazard risk.
What drives this estimate
- NAIC HO-3 state average
- $1,628/yr
- FEMA county risk percentile
- 86.32 (Relatively Moderate)
- Illustrative PITI
- $1,400/mo
The NAIC figure is a historical statewide average, scaled for the county median home value. FEMA's National Risk Index supplies a relative county hazard signal; it is not an insurer's underwriting model and does not include property-specific construction, deductible, credit, claims history, flood coverage, or current market repricing.
Local cost context
Oneida County is ranked 33 from highest to lowest effective property-tax rate among 62 published New York counties.
Its 2.02% effective tax rate is 0.06 percentage points above the state published-county average of 1.96%.
The county median home value of $182,600 is $6,400 below the New York county median of $189,000.
FEMA risk percentile: 86.32 (Relatively Moderate). This is relative risk context, not an underwriting score.
Similar-rate counties
- Washington County: 2.01% property-tax rate and $196,200 median home value
- Schoharie County: 2.03% property-tax rate and $192,500 median home value
- Clinton County: 2% property-tax rate and $180,600 median home value
Common questions about Oneida County insurance costs
- How much is homeowners insurance in Oneida County, New York?
- A planning estimate is $2,030 per year for the county median home value of $182,600. The budgeting range is $1,218 to $2,842 because carrier quotes depend on property-specific underwriting.
- Why can the real quote be different from this Oneida County estimate?
- The model uses public county and state data, while a carrier uses roof age, construction, deductible, coverage limits, credit, claims history, distance to hazards, and current market pricing. Treat the number as an escrow planning benchmark, not an insurance quote.
- What is the combined monthly carrying-cost estimate in Oneida County?
- With the page assumptions, monthly PITI is about $1,400. That includes principal and interest, $3,690/yr in estimated property tax, and $2,030/yr in modeled homeowners insurance.
Estimate insurance and total monthly cost
Calculations stay in your browser. No values are stored.
Sources, freshness & method
Confidence: Low. Insurance varies materially by home and carrier, so this page uses a ±40% budgeting band rather than false precision.
NAIC baseline as of 2022-12-31; FEMA version 1.20 as of 2025-12-01; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.