Home Insurance in Hammond, New York
With a median home value of $81,900, Hammond is 33% lower than the St. Lawrence County median.
The typical home in Hammond was built around 1945. About 56% of homes were built before 1960, about 9 points above St. Lawrence County's 47%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hammond, the housing stock is 72% single-family homes, 13% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hammond, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hammond has an owner-occupancy rate of 52% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Hammond, 44% of homes are primarily heated with fuel oil. 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.
What's the biggest home insurance risk near Hammond? FEMA's National Risk Index points to winter weather (Relatively High) in St. Lawrence County and 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.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $81,900 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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)