Home Insurance in Schaghticoke, New York
With a median home value of $185,300, Schaghticoke is 28% lower than the Rensselaer County median.
The median home in Schaghticoke was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 83% of homes were built before 1960, about 34 points above Rensselaer County's 48%.
In Schaghticoke, the housing stock is 70% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Schaghticoke have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Schaghticoke are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Schaghticoke - 78% - are primarily heated with fuel oil. 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.
What's the biggest home insurance risk near Schaghticoke? FEMA's National Risk Index points to hail (Relatively Moderate) in Rensselaer County and Rensselaer County had 633 active NFIP flood policies as of September 2026. See the full Rensselaer 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 | $185,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Rensselaer County | 633 |
| 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)