Cheapest counties for homeowners insurance in New York
Top 25 of 62 counties with data.
Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.
| Rank | County | Value |
|---|---|---|
| 1 | Chemung | $1,015 |
| 2 | Chautauqua | $1,043 |
| 3 | Wayne | $1,050 |
| 4 | Broome | $1,088 |
| 5 | Seneca | $1,088 |
| 6 | Livingston | $1,130 |
| 7 | Wyoming | $1,153 |
| 8 | Yates | $1,183 |
| 9 | Schenectady | $1,186 |
| 10 | Warren | $1,193 |
| 11 | Allegany | $1,206 |
| 12 | Franklin | $1,216 |
| 13 | Rensselaer | $1,218 |
| 14 | Onondaga | $1,224 |
| 15 | Orleans | $1,239 |
| 16 | Washington | $1,240 |
| 17 | Cortland | $1,254 |
| 18 | Clinton | $1,273 |
| 19 | Tioga | $1,275 |
| 20 | St. Lawrence | $1,275 |
| 21 | Schoharie | $1,283 |
| 22 | Cattaraugus | $1,301 |
| 23 | Genesee | $1,312 |
| 24 | Lewis | $1,314 |
| 25 | Essex | $1,318 |
How this ranking works
This page ranks New York counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.
For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.
Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.
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