Home Insurance in Chaumont, New York
The median home value in Chaumont is $212,800, 13% higher than the Jefferson County median.
The median home in Chaumont was built in 1939 or earlier. About 73% of homes were built before 1960, about 31 points above Jefferson County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Chaumont breaks down to 83% single-family homes and 11% apartments in buildings with 5+ units.
In Chaumont, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Chaumont has an owner-occupancy rate of 81% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 43% of homes in Chaumont are primarily heated with fuel oil.
What's the biggest home insurance risk near Chaumont? 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.
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 | $212,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)