Home Insurance in Youngstown, New York
Homes in Youngstown carry a median value of $216,100 - 14% higher than the Niagara County median.
The typical home in Youngstown was built around 1960. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, about 4 points below Niagara County's 53%.
The housing stock in Youngstown is 73% single-family homes and 12% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Youngstown, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Youngstown has an owner-occupancy rate of 77% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Youngstown - 80% - 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.
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.
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 | $216,100 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)