Home Insurance in West Carthage, New York
The median home value in West Carthage is $192,100, close to the Jefferson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in West Carthage was built around 1961. About 49% of homes were built before 1960, about 7 points above Jefferson County's 42%.
The housing stock in West Carthage is 50% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in West Carthage carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 42% of occupied homes in West Carthage are owner-occupied.
59% of homes in West Carthage are primarily heated with natural gas.
Jefferson County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 | $192,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 42% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)