Home Insurance in Ogdensburg, New York
With a median home value of $85,400, Ogdensburg is 30% lower than the St. Lawrence County median.
The median home in Ogdensburg was built in 1939 or earlier. About 76% of homes were built before 1960, about 29 points above St. Lawrence County's 47%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Ogdensburg is 75% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Ogdensburg, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Ogdensburg has an owner-occupancy rate of 67% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 84% of homes in Ogdensburg are primarily heated with natural gas.
What's the biggest home insurance risk near Ogdensburg? 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.
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 | $85,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)