Home Insurance in Waddington, New York
With a median home value of $182,300, Waddington is 50% higher than the St. Lawrence County median.
The typical home in Waddington was built around 1970. About 39% of homes were built before 1960, about 8 points below St. Lawrence County's 47%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Waddington is 84% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 62% of owner-occupied homes in Waddington have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waddington has an owner-occupancy rate of 84% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Waddington - 94% - are primarily heated with natural gas.
What's the biggest home insurance risk near Waddington? 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 | $182,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)