Home Insurance in Evans Mills, New York
The median home value in Evans Mills is $180,500, close to the Jefferson County median.
The typical home in Evans Mills was built around 1944. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 60% of homes were built before 1960, about 18 points above Jefferson County's 42%.
Housing in Evans Mills breaks down to 76% single-family homes and 5% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Evans Mills, about 91% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Evans Mills has an owner-occupancy rate of 70% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Evans Mills - 72% - are primarily heated with natural gas. Homes heated with 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 Evans Mills? 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 | $180,500 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 91% |
| 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)