Home Insurance in Massena, New York
The median home value in Massena is $94,400, 23% lower than the St. Lawrence County median.
The typical home in Massena was built around 1954. About 69% of homes were built before 1960, about 22 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 Massena, the housing stock is 68% single-family homes and 17% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Massena, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Massena are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Massena - 62% - are primarily heated with natural gas.
FEMA rates St. Lawrence County's overall risk as Relatively Low, led by winter weather (Relatively High). 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 | $94,400 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)