Home Insurance in Jamestown, New York
The median home value in Jamestown is $87,700, 31% lower than the Chautauqua County median.
The median home in Jamestown was built in 1939 or earlier. About 76% of homes were built before 1960, about 17 points above Chautauqua County's 59%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Jamestown is 54% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Jamestown, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jamestown has an owner-occupancy rate of 49% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
70% of homes in Jamestown are primarily heated with natural gas.
FEMA rates Chautauqua County's overall risk as Relatively Moderate, led by inland flooding (Relatively Moderate). Chautauqua County had 415 active NFIP flood policies as of September 2026. See the full Chautauqua 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 | $87,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Chautauqua County | 415 |
| 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)