Home Insurance in Round Lake, New York
The median home value in Round Lake is $338,700, close to the Saratoga County median.
The typical home in Round Lake was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 35 points above Saratoga County's 23%.
In Round Lake, the housing stock is 92% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Round Lake, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Round Lake has an owner-occupancy rate of 87% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Round Lake - 83% - 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.
FEMA rates Saratoga County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Saratoga County had 698 active NFIP flood policies as of September 2026. See the full Saratoga 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 | $338,700 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Saratoga County | 698 |
| 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)