Home Insurance in Lewis County, New York
With a median home value of $166,100, Lewis County is 61% lower than the New York median.
The typical home in Lewis County was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 10 points below New York's 52%.
The housing stock in Lewis County is 79% single-family homes, 3% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Lewis County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lewis County has an owner-occupancy rate of 80% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
In Lewis County, 30% of homes are primarily heated with fuel oil. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively Moderate), inland flooding (Relatively Low) and hurricane (Very Low) as the leading hazards for Lewis County.
Lewis County had 65 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $166,100 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 65 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)