Home Insurance in Lake George, New York
With a median home value of $301,900, Lake George is 13% higher than the Warren County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lake George was built around 1960. About 49% of homes were built before 1960, about 12 points above Warren County's 38%.
Housing in Lake George breaks down to 55% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
35% of owner-occupied homes in Lake George carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lake George has an owner-occupancy rate of 43% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Lake George - 61% - are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Warren County had 157 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Low). 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.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $301,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 43% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)