Home Insurance in Sackets Harbor, New York
Homes in Sackets Harbor carry a median value of $234,900 - 25% higher than 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 Sackets Harbor was built around 1971. About 47% of homes were built before 1960, about 5 points above Jefferson County's 42%.
The housing stock in Sackets Harbor is 54% 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 Sackets Harbor, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Sackets Harbor has an owner-occupancy rate of 41% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Sackets Harbor, 47% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Sackets Harbor? 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 | $234,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)