Home Insurance in South Glens Falls, New York
With a median home value of $212,700, South Glens Falls is 39% lower than the Saratoga County median.
The typical home in South Glens Falls was built around 1956. About 53% of homes were built before 1960, about 30 points above Saratoga County's 23%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In South Glens Falls, the housing stock is 52% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In South Glens Falls, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 50% of occupied homes in South Glens Falls are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
70% of homes in South Glens Falls are primarily heated with natural gas.
Saratoga County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $212,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)