Home Insurance in Rouses Point, New York
The median home value in Rouses Point is $197,400, 9% higher than the Clinton County median.
The typical home in Rouses Point was built around 1949. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 56% of homes were built before 1960, about 19 points above Clinton County's 37%.
In Rouses Point, the housing stock is 63% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Rouses Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Rouses Point are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Rouses Point - 91% - are primarily heated with electricity.
Clinton County had 161 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Clinton County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $197,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Clinton County | 161 |
| 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)