Home Insurance in St. Lawrence County, New York
With a median home value of $121,900, St. Lawrence County is 71% lower than the New York median.
The typical home in St. Lawrence County was built around 1964. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 47% of homes were built before 1960, about 5 points below New York's 52%.
The housing stock in St. Lawrence County is 73% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in St. Lawrence County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Lawrence County has an owner-occupancy rate of 72% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In St. Lawrence County, 34% of homes are primarily heated with natural gas. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists winter weather (Relatively High), earthquake (Relatively Low) and inland flooding (Relatively Moderate) as the leading hazards for St. Lawrence County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, St. Lawrence County has 120 active NFIP flood policies on file.
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 | $121,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Earthquake (Relatively Low), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 120 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Canton
- Gouverneur
- Hammond
- Heuvelton
- Massena
- Norwood
- Ogdensburg
- Potsdam
- Rensselaer Falls
- Richville
- Waddington
Sources
- 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)