Home Insurance in Croghan, New York
With a median home value of $160,000, Croghan is close to the Lewis County median.
The median home in Croghan was built in 1939 or earlier. About 73% of homes were built before 1960, about 31 points above Lewis County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Croghan, the housing stock is 53% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 52% of owner-occupied homes in Croghan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Croghan are owner-occupied.
53% of homes in Croghan are primarily heated with natural gas. Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lewis County had 65 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively Moderate). See the full Lewis 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 | $160,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)