Homeowners insurance cost in Jefferson County, New York
A transparent county budgeting benchmark—not a carrier quote—with a deliberately wide range.
Estimated annual insurance budget
For a $188,200 home (the county median):
$1,802/yr (budgeting range $1,081–$2,523)
Low confidence State NAIC baseline scaled by replacement cost and county hazard risk.
What drives this estimate
- NAIC HO-3 state average
- $1,628/yr
- FEMA county risk percentile
- 63.96 (Relatively Low)
- Illustrative PITI
- $1,343/mo
The NAIC figure is a historical statewide average, scaled for the county median home value. FEMA's National Risk Index supplies a relative county hazard signal; it is not an insurer's underwriting model and does not include property-specific construction, deductible, credit, claims history, flood coverage, or current market repricing.
Local cost context
Jefferson County is ranked 49 from highest to lowest effective property-tax rate among 62 published New York counties.
Its 1.54% effective tax rate is 0.42 percentage points below the state published-county average of 1.96%.
The county median home value of $188,200 is $800 below the New York county median of $189,000.
FEMA risk percentile: 63.96 (Relatively Low). This is relative risk context, not an underwriting score.
Similar-rate counties
- Westchester County: 1.51% property-tax rate and $663,200 median home value
- Greene County: 1.49% property-tax rate and $271,600 median home value
- Warren County: 1.47% property-tax rate and $267,400 median home value
Common questions about Jefferson County insurance costs
- How much is homeowners insurance in Jefferson County, New York?
- A planning estimate is $1,802 per year for the county median home value of $188,200. The budgeting range is $1,081 to $2,523 because carrier quotes depend on property-specific underwriting.
- Why can the real quote be different from this Jefferson County estimate?
- The model uses public county and state data, while a carrier uses roof age, construction, deductible, coverage limits, credit, claims history, distance to hazards, and current market pricing. Treat the number as an escrow planning benchmark, not an insurance quote.
- What is the combined monthly carrying-cost estimate in Jefferson County?
- With the page assumptions, monthly PITI is about $1,343. That includes principal and interest, $2,899/yr in estimated property tax, and $1,802/yr in modeled homeowners insurance.
Estimate insurance and total monthly cost
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Sources, freshness & method
Confidence: Low. Insurance varies materially by home and carrier, so this page uses a ±40% budgeting band rather than false precision.
NAIC baseline as of 2022-12-31; FEMA version 1.20 as of 2025-12-01; data version 2024.1.
Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.
Read the insurance and PITI methodology
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.