Home Insurance in Constableville, New York
The median home value in Constableville is $126,300, 24% lower than the Lewis County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Constableville was built in 1939 or earlier. About 64% of homes were built before 1960, about 23 points above Lewis County's 42%.
The housing stock in Constableville is 75% single-family homes and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Constableville, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Constableville are owner-occupied.
Most homes in Constableville - 53% - 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.
Lewis County's top FEMA-rated hazard is winter weather (Relatively Moderate), per FEMA's National Risk Index. Lewis County had 65 active NFIP flood policies as of September 2026. See the full Lewis 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 | $126,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Winter Weather (Relatively Moderate) |
| Active NFIP policies in Lewis County | 65 |
| 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)