Home Insurance in North Tonawanda, New York
Homes in North Tonawanda carry a median value of $197,200 - close to the Niagara County median.
The typical home in North Tonawanda was built around 1955. About 62% of homes were built before 1960, about 8 points above Niagara County's 53%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in North Tonawanda breaks down to 68% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in North Tonawanda carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in North Tonawanda are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In North Tonawanda, 85% of homes are primarily heated with natural gas.
Niagara County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Niagara County had 509 active NFIP flood policies as of September 2026. 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.
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 | $197,200 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)