Home Insurance in Washington County, New York
Homes in Washington County carry a median value of $196,200 - 54% lower than the New York median.
The typical home in Washington County was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 48% of homes were built before 1960, about 4 points below New York's 52%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Washington County is 76% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Washington County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Washington County has an owner-occupancy rate of 77% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Washington County, 37% of homes are primarily heated with fuel oil. 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.
The top hazards for Washington County, per FEMA's National Risk Index, are hurricane (Relatively Low), inland flooding (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Washington County has 133 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $196,200 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 133 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)