Home Insurance in Argyle, New York
With a median home value of $158,300, Argyle is 19% lower than the Washington County median.
The median home in Argyle was built in 1939 or earlier. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 75% of homes were built before 1960, about 28 points above Washington County's 48%.
In Argyle, the housing stock is 64% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Argyle, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Argyle has an owner-occupancy rate of 85% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Argyle - 57% - are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Washington County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Washington County had 133 active NFIP flood policies as of September 2026. See the full Washington 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 | $158,300 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Washington County | 133 |
| 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)