HomeInsuranceQts

Home Insurance in Brownville, New York

Homes in Brownville carry a median value of $192,300 - close to the Jefferson County median.

The median home in Brownville was built in 1939 or earlier. About 74% of homes were built before 1960, about 32 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.

The housing stock in Brownville is 90% single-family homes and 7% apartments in buildings with 5+ units.

In Brownville, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Brownville has an owner-occupancy rate of 79% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.

82% of homes in Brownville are primarily heated with natural gas.

FEMA rates Jefferson County's overall risk as Relatively Low, led by winter weather (Relatively High). 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$192,300
Median year built1939 or earlier
Owner-occupied share79%
Share of owner-occupied homes with a mortgage70%
Top county hazardWinter Weather (Relatively High)
Active NFIP policies in Jefferson County285
Home insurance premium$1,801 - statewide average (NAIC, 2023 data)
Key home insurance figures for Brownville, NY

Nearby towns

Sources

Data last updated: 2026-09-29