Home Insurance in Lewiston, New York
The median home value in Lewiston is $238,100, 25% higher than the Niagara County median.
The typical home in Lewiston was built around 1962. About 48% of homes were built before 1960, about 6 points below Niagara County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Lewiston breaks down to 68% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Lewiston, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lewiston has an owner-occupancy rate of 60% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Lewiston - 85% - are primarily heated with natural gas.
Niagara County had 509 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Niagara County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $238,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Niagara County | 509 |
| 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)