Home Insurance in Canton, New York
With a median home value of $183,800, Canton is 51% higher than the St. Lawrence County median.
The typical home in Canton was built around 1971. About 36% of homes were built before 1960, about 11 points below St. Lawrence County's 47%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Canton breaks down to 47% single-family homes and 32% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Canton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Canton has an owner-occupancy rate of 46% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Canton, 67% of homes are primarily heated with natural gas.
St. Lawrence County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. St. Lawrence County had 120 active NFIP flood policies as of September 2026. See the full St. Lawrence County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $183,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in St. Lawrence County | 120 |
| 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)