Home Insurance in Montour Falls, New York
Homes in Montour Falls carry a median value of $123,900 - 28% lower than the Schuyler County median.
The typical home in Montour Falls was built around 1963. About 47% of homes were built before 1960, about 7 points above Schuyler County's 40%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Montour Falls is 48% single-family homes, 21% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 42% of owner-occupied homes in Montour Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Montour Falls are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Montour Falls - 59% - 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 Schuyler County's overall risk as Very Low, led by hurricane (Very Low). Schuyler County had 41 active NFIP flood policies as of September 2026. See the full Schuyler County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $123,900 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Schuyler County | 41 |
| 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)