Home Insurance in Glens Falls, New York
The median home value in Glens Falls is $212,200, 21% lower than the Warren County median.
The median home in Glens Falls was built in 1939 or earlier. About 72% of homes were built before 1960, about 34 points above Warren County's 38%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Glens Falls breaks down to 51% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 68% of owner-occupied homes in Glens Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 52% of occupied homes in Glens Falls are owner-occupied.
In Glens Falls, 71% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Glens Falls? FEMA's National Risk Index points to inland flooding (Relatively Low) in Warren County and Warren County had 157 active NFIP flood policies as of September 2026. See the full Warren County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $212,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Warren County | 157 |
| 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)