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Home insurance & flood costs in ZIP 14519 (Ontario, NY)

Plain facts for homeowners in Ontario: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 14519 at a glance

Four numbers most homeowners ask about first.

$932
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$1,031
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.12%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

3.5%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 14519 in numbers
$10,846
average paid claim (2022)
+2%
premium change 2018–2022, after inflation
0.78%
cancelled by insurers mid-term (2022)
32
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 14519 was $932 in 2022, about the same as the Wayne County typical ZIP ($957) and 40% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 2% between 2018 and 2022. About 3.5% of policies here had a paid claim in 2022, and insurers chose not to renew 0.12% of policies.

Wayne County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 14519WayneU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 14519 in 2025 cost $1,031, based on 32 policies, compared with $885 in 2022. About 66% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

32 policies
A zones 66%X/B/C zones 34%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Wayne County

The chart shows the share of homeowners policies in ZIP 14519 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Wayne County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Hail83 · Relatively Moderate
  • Ice storm74 · Relatively Moderate
  • Inland flooding72 · Relatively Low
  • Strong wind66 · Relatively Moderate
  • Hurricane57 · Very Low

Other ZIP codes in Wayne County

Average premium per policy in 2022 (Treasury FIO).

14502 Macedon · $92614513 Newark · $90414522 Palmyra · $90214568 Walworth · $87914589 Williamson · $959

Practical next steps

Simple things homeowners in ZIP 14519 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Look at your roof. Hail and wind claims often come down to the roof. Impact-resistant (Class 4) shingles can earn discounts in some states, and knowing your roof's age helps when you compare policies.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.