Home Insurance in Adams, New York
Homes in Adams carry a median value of $192,400 - close to the Jefferson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Adams was built around 1949. About 63% of homes were built before 1960, about 21 points above Jefferson County's 42%.
The housing stock in Adams is 56% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Adams, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Adams are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
67% of homes in Adams are primarily heated with natural gas.
What's the biggest home insurance risk near Adams? FEMA's National Risk Index points to winter weather (Relatively High) in Jefferson County and Jefferson County had 285 active NFIP flood policies as of September 2026. See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $192,400 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Jefferson County | 285 |
| 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)