Home Insurance in Scotia, New York
With a median home value of $189,900, Scotia is 19% lower than the Schenectady 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 Scotia was built around 1942. About 65% of homes were built before 1960, about 8 points above Schenectady County's 57%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Scotia is 62% single-family homes, 15% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Scotia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Scotia has an owner-occupancy rate of 74% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Scotia - 68% - are primarily heated with natural gas. Homes heated with propane 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 Scotia? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Schenectady County and Schenectady County had 277 active NFIP flood policies as of September 2026. See the full Schenectady 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 | $189,900 |
|---|---|
| Median year built | 1942 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Schenectady County | 277 |
| 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)