Home Insurance in Stillwater, New York
The median home value in Stillwater is $271,900, 22% lower than the Saratoga County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stillwater was built around 1976. About 39% of homes were built before 1960, about 16 points above Saratoga County's 23%.
In Stillwater, the housing stock is 62% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Stillwater have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stillwater has an owner-occupancy rate of 64% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stillwater, 34% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Stillwater? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Saratoga County and 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 | $271,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)