$1,602
New York county average (2024)
62 of 62
Counties with data
$3,993
Highest: Nassau
$1,015
Lowest: Chemung
New York counties by home insurance cost
All 62 natively covered New York counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Nassau | $3,993 | +190% | 0.46% |
| 2 | Westchester | $3,888 | +182% | 0.44% |
| 3 | New York | $3,789 | +175% | 0.31% |
| 4 | Kings | $2,891 | +110% | 0.30% |
| 5 | Suffolk | $2,864 | +108% | 0.39% |
| 6 | Bronx | $2,566 | +86% | 0.51% |
| 7 | Queens | $2,201 | +60% | 0.30% |
| 8 | Richmond | $2,183 | +59% | 0.30% |
| 9 | Rockland | $2,112 | +53% | 0.28% |
| 10 | Putnam | $2,020 | +47% | 0.35% |
| 11 | Fulton | $1,814 | +32% | 0.79% |
| 12 | Jefferson | $1,757 | +28% | 0.74% |
| 13 | Oneida | $1,747 | +27% | 0.72% |
| 14 | Tompkins | $1,742 | +27% | 0.49% |
| 15 | Montgomery | $1,736 | +26% | 0.80% |
| 16 | Orange | $1,681 | +22% | 0.36% |
| 17 | Cayuga | $1,645 | +19% | 0.69% |
| 18 | Niagara | $1,552 | +13% | 0.60% |
| 19 | Ulster | $1,548 | +12% | 0.34% |
| 20 | Sullivan | $1,546 | +12% | 0.47% |
| 21 | Columbia | $1,530 | +11% | 0.31% |
| 22 | Saratoga | $1,485 | +8% | 0.31% |
| 23 | Steuben | $1,462 | +6% | 0.84% |
| 24 | Dutchess | $1,459 | +6% | 0.29% |
| 25 | Monroe | $1,447 | +5% | 0.49% |
| 26 | Ontario | $1,445 | +5% | 0.44% |
| 27 | Greene | $1,418 | +3% | 0.38% |
| 28 | Hamilton | $1,414 | +3% | 0.51% |
| 29 | Oswego | $1,413 | +3% | 0.67% |
| 30 | Delaware | $1,381 | 0% | 0.54% |
| 31 | Otsego | $1,378 | 0% | 0.62% |
| 32 | Schuyler | $1,376 | 0% | 0.55% |
| 33 | Chenango | $1,374 | 0% | 0.82% |
| 34 | Madison | $1,364 | -1% | 0.51% |
| 35 | Albany | $1,343 | -2% | 0.36% |
| 36 | Erie | $1,333 | -3% | 0.44% |
| 37 | Herkimer | $1,333 | -3% | 0.65% |
| 38 | Essex | $1,318 | -4% | 0.43% |
| 39 | Lewis | $1,314 | -5% | 0.65% |
| 40 | Genesee | $1,312 | -5% | 0.57% |
| 41 | Cattaraugus | $1,301 | -6% | 0.77% |
| 42 | Schoharie | $1,283 | -7% | 0.49% |
| 43 | Tioga | $1,275 | -7% | 0.61% |
| 44 | St. Lawrence | $1,275 | -7% | 0.85% |
| 45 | Clinton | $1,273 | -8% | 0.54% |
| 46 | Cortland | $1,254 | -9% | 0.60% |
| 47 | Washington | $1,240 | -10% | 0.48% |
| 48 | Orleans | $1,239 | -10% | 0.59% |
| 49 | Onondaga | $1,224 | -11% | 0.42% |
| 50 | Rensselaer | $1,218 | -12% | 0.37% |
| 51 | Franklin | $1,216 | -12% | 0.67% |
| 52 | Allegany | $1,206 | -12% | 0.83% |
| 53 | Warren | $1,193 | -13% | 0.31% |
| 54 | Schenectady | $1,186 | -14% | 0.38% |
| 55 | Yates | $1,183 | -14% | 0.36% |
| 56 | Wyoming | $1,153 | -16% | 0.53% |
| 57 | Livingston | $1,130 | -18% | 0.45% |
| 58 | Broome | $1,088 | -21% | 0.53% |
| 59 | Seneca | $1,088 | -21% | 0.47% |
| 60 | Wayne | $1,050 | -24% | 0.41% |
| 61 | Chautauqua | $1,043 | -24% | 0.57% |
| 62 | Chemung | $1,015 | -26% | 0.62% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The New York average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in New York (2024)," https://hearthmap.app/home-insurance-by-county/new-york. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in New York: frequently asked questions
- What is the average cost of homeowners insurance in New York?
- The average homeowners insurance premium in New York was $1,602 per year in 2024, a simple mean across the 62 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which New York county has the cheapest home insurance?
- Chemung had the lowest average homeowners insurance premium in New York at $1,015 per year in 2024.
- Which New York county has the most expensive home insurance?
- Nassau had the highest average homeowners insurance premium in New York at $3,993 per year in 2024.
- How many New York counties are in this dataset?
- 62 of 62 New York counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in New York
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- New York cost of living, schools & demographics
Home insurance by county in other states:
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