Home Insurance in Fort Johnson, New York
With a median home value of $163,800, Fort Johnson is close to the Montgomery County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Fort Johnson was built in 1939 or earlier. About 90% of homes were built before 1960, about 25 points above Montgomery County's 65%.
Housing in Fort Johnson breaks down to 76% single-family homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Fort Johnson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 71% of occupied homes in Fort Johnson are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fort Johnson, 41% of homes are primarily heated with natural gas.
FEMA rates Montgomery County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Montgomery County had 185 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $163,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Montgomery County | 185 |
| 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)