Home Insurance in Turin, New York
Homes in Turin carry a median value of $114,600 - 31% lower than the Lewis County median.
The median home in Turin was built in 1939 or earlier. About 83% of homes were built before 1960, about 41 points above Lewis County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Turin is 88% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Turin, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Turin are owner-occupied.
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. 50% of homes in Turin are primarily heated with wood.
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 | $114,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)