Home Insurance in Rensselaer Falls, New York
With a median home value of $87,100, Rensselaer Falls is 29% lower than the St. Lawrence County median.
The median home in Rensselaer Falls was built in 1939 or earlier. About 63% of homes were built before 1960, about 16 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.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rensselaer Falls is 78% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
49% of owner-occupied homes in Rensselaer Falls carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Rensselaer Falls are owner-occupied.
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. In Rensselaer Falls, 42% of homes are primarily heated with fuel oil.
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.
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 | $87,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 86% |
| 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)