Which county in New York has the lowest homeowners insurance?

Chemung has the lowest homeowners insurance in New York, at $1,015.

What is the homeowners insurance in Chemung?

Chemung is ranked #1 in New York for homeowners insurance, at $1,015.

How is this homeowners insurance ranking calculated?

Counties in New York are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in New York (2026)

Full county table and CSV download: Home insurance by county in New York

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.

Cheapest counties for homeowners insurance in New York

Rank	County	Value
01	Chemung$1,015 County page
02	Chautauqua$1,043 County page
03	Wayne$1,050 County page
04	Broome$1,088 County page
05	Seneca$1,088 County page
06	Livingston$1,130 County page
07	Wyoming$1,153 County page
08	Yates$1,183 County page
09	Schenectady$1,186 County page
10	Warren$1,193 County page
11	Allegany$1,206 County page
12	Franklin$1,216 County page
13	Rensselaer$1,218 County page
14	Onondaga$1,224 County page
15	Orleans$1,239 County page
16	Washington$1,240 County page
17	Cortland$1,254 County page
18	Clinton$1,273 County page
19	Tioga$1,275 County page
20	St. Lawrence$1,275 County page
21	Schoharie$1,283 County page
22	Cattaraugus$1,301 County page
23	Genesee$1,312 County page
24	Lewis$1,314 County page
25	Essex$1,318 County page

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.

Frequently asked questions

Which county in New York has the lowest homeowners insurance?: Chemung has the lowest homeowners insurance in New York, at $1,015.
What is the homeowners insurance in Chemung?: Chemung is ranked #1 in New York for homeowners insurance, at $1,015.
How is this homeowners insurance ranking calculated?: Counties in New York are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.