Home Insurance in Alexandria Bay, New York
The median home value in Alexandria Bay is $154,100, 18% lower than the Jefferson County median.
The typical home in Alexandria Bay was built around 1949. About 54% of homes were built before 1960, about 12 points above Jefferson County's 42%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Alexandria Bay, the housing stock is 57% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
35% of owner-occupied homes in Alexandria Bay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alexandria Bay has an owner-occupancy rate of 56% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Alexandria Bay, 46% of homes are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Alexandria Bay? 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.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $154,100 |
|---|---|
| Median year built | 1949 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)