Homeowners Insurance in Rochester, NY

For a home at Rochester's median value of $139,600, we estimate about $660 a year — −63% versus the New York NAIC average of $1,801.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Rochester

Est. premium

$660

$55/mo · median home

Median home value

$139,600

New York: $423,800

Median year built

1938

Census ACS

Owner-occupied

38.1%

of households

Hazard score

70.7

state ref. 89.3

Rochester's estimate reflects its home values (67% lower than the state median) and FEMA's hazard profile for Monroe County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Rochester

FEMA National Risk Index — Monroe County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	32.5	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	87.2	Comprehensive; dwelling
Hurricane	Relatively Low	68.8	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	96.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Very Low	39.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Moderate	79.1	Comprehensive; dwelling
Winter weather	Relatively High	95.4	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	47.1	Comprehensive; dwelling
Earthquake	Relatively Low	84.1	Home needs a separate earthquake policy
Lightning	Relatively Moderate	77.5	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Rochester

Dwelling value	Wood frame	Brick / masonry
$200,000	$880	$810
$300,000	$1,215	$1,115
$500,000	$1,825	$1,680
$750,000	$2,525	$2,325

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Rochester

ZIP	Median home value	Owner-occupied	Est. premium
14609	$161,600	63.9%	$740
14621	$90,700	35.4%	$465
14620	$205,000	29.2%	$895
14607	$350,100	18.3%	$1,375
14615	$137,500	54.4%	$650
14611	$82,400	35.5%	$430
14613	$120,600	32.5%	$585
14610	$258,500	52.5%	$1,080
14619	$134,700	64.0%	$640
14608	$187,000	22.0%	$830
14605	$82,700	25.6%	$435
14604	$784,700	1.4%	$2,620

Homeowners insurance in New York · Car insurance in Rochester · Insurance offices near Rochester

Frequently asked questions

How much is homeowners insurance in Rochester?

For a home at Rochester's median value of $139,600, we estimate about $660 a year for a standard HO-3 policy with a $1,000 deductible. The New York NAIC average is $1,801.

What are the biggest natural hazards in Rochester?

FEMA's National Risk Index rates Monroe County relatively high or very high for inland (river) flooding and winter weather.

Does the age of homes in Rochester affect insurance?

Yes. The median home in Rochester was built in 1938 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for New York, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Monroe County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page