Home Insurance in Lowville, New York
Homes in Lowville carry a median value of $164,000 - close to 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 Lowville was built in 1939 or earlier. About 73% of homes were built before 1960, about 31 points above Lewis County's 42%.
The housing stock in Lowville is 60% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
70% of owner-occupied homes in Lowville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Lowville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lowville, 71% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lewis County's overall risk as Very Low, led by winter weather (Relatively Moderate). 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 | $164,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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)