Best Homeowners Insurance in New York for 2026
Nationwide is best overall, but NYCM, Farmers and State Farm are also worth considering
- Affordable rates and useful add-ons help make Nationwide the best homeowners insurance company in New York.
- NYCM has the state’s cheapest home insurance.
- Homeowners insurance in New York costs $1,587 a year on average.
- New York home insurance rates have gone up by an average of 24% since 2020.
- Communities on Long Island have the state’s most expensive home insurance.
Best homeowners insurance in New York
Nationwide is New York’s best homeowners insurance company, based on its affordable rates and useful coverage options. NYCM has the state’s cheapest home insurance, while State Farm and Farmers stand out for other reasons.
NYCM also has an excellent complaint rating from the National Association of Insurance Commissioners (NAIC).
Best overall: Nationwide
Average annual rate: $1,439
Why we chose it: In addition to affordable rates, Nationwide’s useful add-ons help you customize your insurance protections. Many of these can save you money after a disaster.
Who it’s best for: Most homeowners. Nationwide’s rates are 9% less than the state average, and its discounts can make it more affordable. The company’s dwelling replacement
PROS
- Slightly cheaper than average
- Useful add-ons offer extra protection
- Better ID theft protection than most other insurance companies
CONS
- Complaint score is worse than average
- Not as cheap as NYCM
Best rates: NYCM
Average annual rate: $658
Why we chose it: NYCM’s home insurance rates are 59% less than the state average. The company also has cheap car insurance in New York, which can make bundling
Who it’s best for: Budget-conscious homeowners. Cheap rates make it worth getting a home insurance quote from NYCM. The company offers basic home protection, plus extra coverage for jewelry and other valuables. Its discounts for retirees and people who work from home help make its low rates even cheaper.
PROS
- Cheapest home insurance in New York
- Excellent complaint rating means good customer service
- Cheap car insurance makes it good for bundling policies
CONS
- Fewer add-on protections than Nationwide, State Farm and Farmers
- Online quotes not available
Best digital tools: State Farm
Average annual rate: $1,476
Why we chose it: State Farm’s user-friendly website and smartphone app make it easy to get quotes, manage your policy and file a claim.
Who it’s best for: Homeowners who like convenience. State Farm’s digital tools make shopping for insurance and managing your policy convenient. Customers seem to love its smartphone app, giving it high ratings on both major platforms. The company also has local agents in most communities if you want more personalized service.
PROS
- Website makes it easy to get a home insurance quote within minutes
- Smartphone app has excellent customer ratings
- Local agents available for personalized service
CONS
- Complaint rating is worse than average
- Other companies are cheaper
Best discounts: Farmers
Average annual rate: $1,283
Why we chose it: Farmers may be your cheapest home insurance choice if you qualify for enough of its discounts. Its rates are already 19% below the state average before these savings opportunities kick in.
Who it’s best for: Teachers, engineers and certain other professionals. Farmers’ affinity discount is available to homeowners in a variety of professions. You can also get one if you’re a current or former military service member. It has additional discounts for automatic gas and/or water shutoffs, homes less than 14 years old and more.
PROS
- Charges 19% less than state average before discounts
- Discounts for certain professionals, plus current and former military
- Add-on coverage available for valuables and water backups
CONS
- Other companies have cheaper rates
Compare home insurance rates and ratings in New York
Each company’s rates vary by customer, so compare home insurance quotes from a few companies to find the cheapest rate.
| Company | Annual rate | LendingTree score | NAIC complaint rating | |
|---|---|---|---|---|
| NYCM | $658 | 4/5 | 0.1 |
 | Preferred Mutual | $1,086 |  4.5/5 | 0.3 |
 | Sterling Insurance | $1,239 | 4.5/5 | 0.0 |
| Farmers | $1,283 | 3.5/5 | 0.7 |
| Nationwide | $1,439 | 3.5/5 | 1.2 |
| State Farm | $1,476 | 4/5 | 1.4 |
 | Travelers | $1,507 | 3.5/5 | 0.7 |
 | Kingstone | $1,671 | 3.5/5 | 0.1 |
 | Allstate | $1,787 | 4/5 | 1.2 |
 | Ocean Harbor | $1,869 |  2.5/5 | 0.7 |
 | Plymouth Rock | $1,907 | 3.5/5 | 0.2 |
 | Narragansett Bay | $2,314 |  3/5 | 0.2 |
LendingTree analyzed home insurance quotes from every New York ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is home insurance in New York?
Home insurance costs an average of $1,587 a year in New York for a typical home, or $132 a month. This is 40% less than the national average of $2,628 a year.
The actual price you pay depends on factors like your home’s age and location, as well as your credit and insurance history. The amount of coverage you need also affects your rate.
For example, it costs $2,238 per year to insure a $550,000 home. This is 41% higher than the rate for a $400,000 policy. You typically need to insure your home at its replacement value. This is the amount of dwelling coverage you normally get.
Insurance rates by dwelling coverage
| Company | $300,000 limit | $400,000 limit | $550,000 limit | $750,000 limit |
|---|---|---|---|---|
| Farmers | $946 | $1,283 | $1,905 | $2,657 |
| Nationwide | $1,128 | $1,439 | $1,957 | $2,640 |
| NYCM | $527 | $658 | $860 | $1,192 |
| State Farm | $1,061 | $1,476 | $2,118 | $2,985 |
| Average | $1,232 | $1,587 | $2,238 | $3,003 |
Most insurance companies can estimate your home’s replacement value based on its location, age and features. You can verify most of the necessary details by looking up your home on your county assessor’s website.
New York home insurance rates by city
The threat of severe weather has made homeowners insurance particularly expensive in New York’s coastal areas.
The Long Island town of Napeague has the state’s most expensive homeowners insurance, at $3,709 a year. Rates are more than $3,600 a year in nearby Amagansett, North Sea and Wainscott, the next most expensive areas.
The Monroe County hamlet of West Henrietta has New York’s cheapest home insurance, at $1,132 a year.
New York home insurance rates near you
| City | Annual rate |
|---|---|
| Accord | $1,420 |
| Acra | $1,404 |
| Adams | $1,356 |
| Adams Basin | $1,190 |
| Adams Center | $1,354 |
| Addison | $1,285 |
| Adirondack | $1,352 |
| Afton | $1,330 |
| Airmont | $1,592 |
| Akron | $1,177 |
| Albany | $1,460 |
| Albertson | $2,405 |
| Albion | $1,251 |
| Alcove | $1,335 |
| Alden | $1,220 |
| Alder Creek | $1,405 |
| Alexander | $1,258 |
| Alexandria Bay | $1,325 |
| Alfred | $1,267 |
| Alfred Station | $1,264 |
| Allegany | $1,277 |
| Allentown | $1,285 |
| Alma | $1,283 |
| Almond | $1,267 |
| Alpine | $1,268 |
| Alplaus | $1,365 |
| Altamont | $1,358 |
| Altmar | $1,312 |
| Alton | $1,226 |
| Altona | $1,404 |
| Amagansett | $3,704 |
| Amawalk | $1,592 |
| Amenia | $1,337 |
| Amityville | $3,199 |
| Amsterdam | $1,461 |
| Ancram | $1,422 |
| Ancramdale | $1,416 |
| Andes | $1,351 |
| Andover | $1,259 |
| Angelica | $1,276 |
| Angola | $1,188 |
| Angola on the Lake | $1,186 |
| Annandale On Hudson | $1,362 |
| Antwerp | $1,352 |
| Apalachin | $1,283 |
| Appleton | $1,203 |
| Apulia Station | $1,238 |
| Aquebogue | $3,075 |
| Arcade | $1,286 |
| Arden | $1,419 |
| Ardsley | $1,645 |
| Ardsley On Hudson | $1,613 |
| Argyle | $1,381 |
| Arkport | $1,260 |
| Arkville | $1,391 |
| Arlington | $1,334 |
| Armonk | $1,655 |
| Arverne | $2,521 |
| Asharoken | $2,792 |
| Ashland | $1,432 |
| Ashville | $1,307 |
| Astoria | $2,073 |
| Athens | $1,442 |
| Athol | $1,377 |
| Athol Springs | $1,198 |
| Atlanta | $1,284 |
| Atlantic Beach | $2,751 |
| Attica | $1,272 |
| Au Sable Forks | $1,381 |
| Auburn | $1,287 |
| Auriesville | $1,450 |
| Aurora | $1,281 |
| Austerlitz | $1,398 |
| Ava | $1,418 |
| Averill Park | $1,387 |
| Avoca | $1,271 |
| Avon | $1,199 |
| Babylon | $3,180 |
| Bainbridge | $1,340 |
| Baiting Hollow | $3,087 |
| Bakers Mills | $1,381 |
| Baldwin | $2,746 |
| Baldwin Harbor | $2,743 |
| Baldwin Place | $1,604 |
| Baldwinsville | $1,217 |
| Ballston Lake | $1,324 |
| Ballston Spa | $1,351 |
| Balmville | $1,401 |
| Bangall | $1,357 |
| Bardonia | $1,587 |
| Barker | $1,208 |
| Barneveld | $1,394 |
| Barnum Island | $2,759 |
| Barrytown | $1,312 |
| Barryville | $1,479 |
| Barton | $1,288 |
| Basom | $1,234 |
| Batavia | $1,275 |
| Bath | $1,258 |
| Baxter Estates | $2,500 |
| Bay Park | $2,750 |
| Bay Shore | $3,171 |
| Bayport | $3,295 |
| Bayside | $2,255 |
| Bayville | $2,446 |
| Baywood | $3,167 |
| Beacon | $1,374 |
| Bear Mountain | $1,585 |
| Bearsville | $1,405 |
| Beaver Dam Lake | $1,412 |
| Beaver Dams | $1,254 |
| Beaver Falls | $1,324 |
| Bedford | $1,683 |
| Bedford Hills | $1,602 |
| Belfast | $1,270 |
| Belle Terre | $2,875 |
| Bellerose | $2,276 |
| Bellerose Terrace | $2,407 |
| Belleville | $1,375 |
| Bellmore | $2,738 |
| Bellona | $1,271 |
| Bellport | $3,343 |
| Bellvale | $1,466 |
| Belmont | $1,266 |
| Bemus Point | $1,305 |
| Bergen | $1,259 |
| Berkshire | $1,250 |
| Berlin | $1,389 |
| Berne | $1,391 |
| Bernhards Bay | $1,302 |
| Bethel | $1,443 |
| Bethpage | $2,404 |
| Bible School Park | $1,349 |
| Big Flats | $1,258 |
| Big Indian | $1,396 |
| Billings | $1,357 |
| Billington Heights | $1,182 |
| Binghamton | $1,287 |
| Binghamton University | $1,250 |
| Black Creek | $1,278 |
| Black River | $1,353 |
| Blasdell | $1,200 |
| Blauvelt | $1,555 |
| Bliss | $1,277 |
| Blodgett Mills | $1,258 |
| Bloomfield | $1,194 |
| Bloomingburg | $1,429 |
| Bloomingdale | $1,380 |
| Bloomington | $1,405 |
| Bloomville | $1,350 |
| Blossvale | $1,387 |
| Blue Mountain Lake | $1,371 |
| Blue Point | $3,339 |
| Bohemia | $3,215 |
| Boiceville | $1,424 |
| Bolivar | $1,275 |
| Bolton Landing | $1,392 |
| Bombay | $1,407 |
| Boonville | $1,353 |
| Boston | $1,176 |
| Bouckville | $1,248 |
| Bovina Center | $1,355 |
| Bowmansville | $1,159 |
| Bradford | $1,278 |
| Brainard | $1,409 |
| Brainardsville | $1,431 |
| Branchport | $1,251 |
| Brant Lake | $1,349 |
| Brantingham | $1,353 |
| Brasher Falls | $1,343 |
| Breesport | $1,252 |
| Breezy Point | $2,411 |
| Brentwood | $3,131 |
| Brewerton | $1,238 |
| Brewster | $1,617 |
| Brewster Hill | $1,617 |
| Briarcliff Manor | $1,643 |
| Bridgehampton | $3,677 |
| Bridgeport | $1,223 |
| Brier Hill | $1,367 |
| Brighton | $1,165 |
| Brightwaters | $3,169 |
| Brinckerhoff | $1,400 |
| Broadalbin | $1,442 |
| Brockport | $1,169 |
| Brocton | $1,310 |
| Bronxville | $1,666 |
| Brookfield | $1,240 |
| Brookhaven | $3,349 |
| Brooklyn | $2,479 |
| Brooktondale | $1,240 |
| Brookville | $2,412 |
| Brushton | $1,413 |
| Buchanan | $1,546 |
| Buffalo | $1,377 |
| Bullville | $1,425 |
| Burdett | $1,246 |
| Burke | $1,410 |
| Burlingham | $1,442 |
| Burlington Flats | $1,336 |
| Burnt Hills | $1,330 |
| Burt | $1,201 |
| Buskirk | $1,410 |
| Busti | $1,286 |
| Byron | $1,267 |
| Cadyville | $1,416 |
| Cairo | $1,420 |
| Calcium | $1,339 |
| Caledonia | $1,202 |
| Callicoon | $1,432 |
| Callicoon Center | $1,444 |
| Calverton | $3,082 |
| Cambria Heights | $2,265 |
| Cambridge | $1,404 |
| Camden | $1,410 |
| Cameron | $1,279 |
| Cameron Mills | $1,328 |
| Camillus | $1,227 |
| Campbell | $1,281 |
| Campbell Hall | $1,446 |
| Canaan | $1,394 |
| Canajoharie | $1,320 |
| Canandaigua | $1,198 |
| Canaseraga | $1,268 |
| Canastota | $1,233 |
| Candor | $1,254 |
| Caneadea | $1,280 |
| Canisteo | $1,256 |
| Canton | $1,344 |
| Cape Vincent | $1,359 |
| Carle Place | $2,363 |
| Carlisle | $1,405 |
| Carmel | $1,586 |
| Carmel Hamlet | $1,588 |
| Caroga Lake | $1,418 |
| Carthage | $1,356 |
| Cassadaga | $1,313 |
| Cassville | $1,361 |
| Castile | $1,267 |
| Castle Creek | $1,275 |
| Castle Point | $1,347 |
| Castleton-on-Hudson | $1,382 |
| Castorland | $1,369 |
| Cato | $1,282 |
| Catskill | $1,444 |
| Cattaraugus | $1,292 |
| Cayuga | $1,294 |
| Cayuga Heights | $1,256 |
| Cayuta | $1,277 |
| Cazenovia | $1,232 |
| Cedarhurst | $2,715 |
| Celoron | $1,289 |
| Center Moriches | $3,451 |
| Centereach | $2,811 |
| Centerport | $2,779 |
| Central Bridge | $1,442 |
| Central Islip | $3,147 |
| Central Square | $1,272 |
| Central Valley | $1,446 |
| Centre Island | $2,377 |
| Ceres | $1,298 |
| Chadwicks | $1,382 |
| Chaffee | $1,187 |
| Champlain | $1,428 |
| Chappaqua | $1,663 |
| Charlotteville | $1,413 |
| Chase Mills | $1,364 |
| Chateaugay | $1,406 |
| Chatham | $1,404 |
| Chaumont | $1,351 |
| Chautauqua | $1,319 |
| Chazy | $1,432 |
| Cheektowaga | $1,191 |
| Chelsea | $1,370 |
| Chemung | $1,287 |
| Chenango Bridge | $1,270 |
| Chenango Forks | $1,283 |
| Cherry Creek | $1,303 |
| Cherry Plain | $1,411 |
| Cherry Valley | $1,314 |
| Chester | $1,442 |
| Chestertown | $1,346 |
| Chestnut Ridge | $1,586 |
| Chichester | $1,401 |
| Childwold | $1,356 |
| Chippewa Bay | $1,366 |
| Chittenango | $1,227 |
| Churchville | $1,144 |
| Churubusco | $1,405 |
| Cicero | $1,217 |
| Cincinnatus | $1,304 |
| Circleville | $1,435 |
| Clarence | $1,169 |
| Clarence Center | $1,166 |
| Clark Mills | $1,371 |
| Clarkson | $1,172 |
| Clarksville | $1,329 |
| Claryville | $1,462 |
| Claverack | $1,392 |
| Clay | $1,214 |
| Clayton | $1,353 |
| Clayville | $1,388 |
| Clemons | $1,409 |
| Cleveland | $1,268 |
| Cleverdale | $1,381 |
| Clifton Park | $1,323 |
| Clifton Springs | $1,202 |
| Climax | $1,438 |
| Clinton | $1,383 |
| Clinton Corners | $1,345 |
| Clintondale | $1,408 |
| Clockville | $1,245 |
| Clyde | $1,218 |
| Clymer | $1,316 |
| Cobleskill | $1,389 |
| Cochecton | $1,447 |
| Cochecton Center | $1,458 |
| Coeymans Hollow | $1,334 |
| Cohocton | $1,277 |
| Cohoes | $1,341 |
| Cold Brook | $1,371 |
| Cold Spring | $1,546 |
| Cold Spring Harbor | $2,712 |
| Colden | $1,181 |
| College Point | $2,188 |
| Colliersville | $1,421 |
| Collins | $1,178 |
| Collins Center | $1,177 |
| Colonie | $1,329 |
| Colton | $1,345 |
| Columbiaville | $1,414 |
| Commack | $2,737 |
| Comstock | $1,400 |
| Conesus | $1,205 |
| Conewango Valley | $1,301 |
| Congers | $1,579 |
| Conklin | $1,268 |
| Connelly | $1,388 |
| Constable | $1,413 |
| Constableville | $1,360 |
| Constantia | $1,280 |
| Coopers Plains | $1,250 |
| Cooperstown | $1,320 |
| Copake | $1,436 |
| Copake Falls | $1,425 |
| Copenhagen | $1,357 |
| Copiague | $3,185 |
| Coram | $2,822 |
| Corbettsville | $1,265 |
| Corfu | $1,264 |
| Corinth | $1,356 |
| Corning | $1,255 |
| Cornwall | $1,410 |
| Cornwall-on-Hudson | $1,405 |
| Cornwallville | $1,443 |
| Corona | $2,097 |
| Cortland | $1,269 |
| Cortland West | $1,270 |
| Cortlandt Manor | $1,549 |
| Cossayuna | $1,404 |
| Cottekill | $1,412 |
| Country Knolls | $1,319 |
| Cowlesville | $1,260 |
| Coxsackie | $1,399 |
| Cragsmoor | $1,410 |
| Cranberry Lake | $1,366 |
| Craryville | $1,395 |
| Crittenden | $1,161 |
| Croghan | $1,345 |
| Crompond | $1,583 |
| Cropseyville | $1,379 |
| Cross River | $1,626 |
| Croton Falls | $1,683 |
| Croton-on-Hudson | $1,554 |
| Crown Heights | $1,334 |
| Crown Point | $1,392 |
| Crugers | $1,555 |
| Cuba | $1,279 |
| Cuddebackville | $1,469 |
| Cumberland Head | $1,413 |
| Cutchogue | $3,254 |
| Dale | $1,286 |
| Dalton | $1,231 |
| Dannemora | $1,408 |
| Dansville | $1,218 |
| Darien Center | $1,253 |
| Davenport | $1,322 |
| Davenport Center | $1,356 |
| Dayton | $1,298 |
| De Kalb Junction | $1,346 |
| De Peyster | $1,375 |
| De Ruyter | $1,284 |
| Deansboro | $1,354 |
| Deer Park | $3,084 |
| Deer River | $1,378 |
| Deferiet | $1,378 |
| Delancey | $1,350 |
| Delanson | $1,396 |
| Delevan | $1,283 |
| Delhi | $1,334 |
| Delmar | $1,340 |
| Delphi Falls | $1,205 |
| Denver | $1,380 |
| Depauville | $1,370 |
| Depew | $1,169 |
| Deposit | $1,316 |
| Derby | $1,176 |
| Dewittville | $1,305 |
| Dexter | $1,360 |
| Diamond Point | $1,415 |
| Dickinson Center | $1,402 |
| Dix Hills | $2,725 |
| Dobbs Ferry | $1,645 |
| Dolgeville | $1,361 |
| Dormansville | $1,348 |
| Dover Plains | $1,381 |
| Downsville | $1,357 |
| Dresden | $1,269 |
| Dryden | $1,245 |
| Duane Lake | $1,412 |
| Duanesburg | $1,414 |
| Dundee | $1,257 |
| Dunkirk | $1,272 |
| Durham | $1,408 |
| Durhamville | $1,403 |
| Eagle Bay | $1,362 |
| Eagle Bridge | $1,421 |
| Earlton | $1,430 |
| Earlville | $1,258 |
| East Amherst | $1,163 |
| East Atlantic Beach | $2,754 |
| East Aurora | $1,183 |
| East Berne | $1,369 |
| East Bethany | $1,284 |
| East Branch | $1,364 |
| East Chatham | $1,394 |
| East Concord | $1,195 |
| East Durham | $1,415 |
| East Elmhurst | $2,185 |
| East Farmingdale | $3,090 |
| East Garden City | $2,537 |
| East Glenville | $1,369 |
| East Greenbush | $1,351 |
| East Hampton | $3,641 |
| East Hampton North | $3,641 |
| East Hills | $2,400 |
| East Homer | $1,274 |
| East Islip | $3,279 |
| East Ithaca | $1,252 |
| East Jewett | $1,459 |
| East Marion | $3,279 |
| East Massapequa | $2,487 |
| East Meadow | $2,584 |
| East Meredith | $1,340 |
| East Moriches | $3,490 |
| East Nassau | $1,373 |
| East Northport | $2,755 |
| East Norwich | $2,412 |
| East Otto | $1,285 |
| East Patchogue | $3,332 |
| East Pembroke | $1,288 |
| East Pharsalia | $1,336 |
| East Quogue | $3,524 |
| East Randolph | $1,301 |
| East Rochester | $1,162 |
| East Rockaway | $2,665 |
| East Schodack | $1,377 |
| East Setauket | $2,870 |
| East Shoreham | $2,822 |
| East Springfield | $1,320 |
| East Syracuse | $1,220 |
| East Williamson | $1,237 |
| East Williston | $2,417 |
| East Worcester | $1,360 |
| Eastchester | $1,661 |
| Eastport | $3,486 |
| Eaton | $1,249 |
| Eatons Neck | $2,792 |
| Eden | $1,197 |
| Edmeston | $1,317 |
| Edwards | $1,338 |
| Eggertsville | $1,194 |
| Elba | $1,282 |
| Elbridge | $1,208 |
| Eldred | $1,480 |
| Elizabethtown | $1,373 |
| Elizaville | $1,394 |
| Elka Park | $1,422 |
| Ellenburg Center | $1,398 |
| Ellenburg Depot | $1,402 |
| Ellenville | $1,435 |
| Ellicottville | $1,305 |
| Ellington | $1,311 |
| Ellisburg | $1,365 |
| Elma | $1,180 |
| Elma Center | $1,180 |
| Elmhurst | $2,101 |
| Elmira | $1,263 |
| Elmira Heights | $1,254 |
| Elmont | $2,511 |
| Elmsford | $1,654 |
| Elwood | $2,727 |
| Endicott | $1,271 |
| Endwell | $1,266 |
| Erieville | $1,238 |
| Erin | $1,276 |
| Esperance | $1,390 |
| Essex | $1,373 |
| Etna | $1,279 |
| Evans Mills | $1,342 |
| Fabius | $1,227 |
| Fair Haven | $1,285 |
| Fairmount | $1,237 |
| Fairport | $1,165 |
| Fairview | $1,563 |
| Falconer | $1,277 |
| Fancher | $1,239 |
| Far Rockaway | $2,473 |
| Farmersville Station | $1,281 |
| Farmingdale | $2,429 |
| Farmington | $1,199 |
| Farmingville | $2,955 |
| Farnham | $1,183 |
| Fayetteville | $1,217 |
| Felts Mills | $1,385 |
| Ferndale | $1,462 |
| Feura Bush | $1,348 |
| Fillmore | $1,276 |
| Findley Lake | $1,311 |
| Fine | $1,348 |
| Fire Island | $3,260 |
| Firthcliffe | $1,406 |
| Fishers | $1,220 |
| Fishers Island | $3,017 |
| Fishers Landing | $1,374 |
| Fishkill | $1,398 |
| Fishs Eddy | $1,391 |
| Flanders | $3,075 |
| Fleischmanns | $1,381 |
| Floral Park | $2,344 |
| Florida | $1,425 |
| Flower Hill | $2,443 |
| Flushing | $2,183 |
| Fly Creek | $1,338 |
| Fonda | $1,389 |
| Forest Hills | $2,182 |
| Forestburgh | $1,484 |
| Forestport | $1,373 |
| Forestville | $1,297 |
| Fort Ann | $1,405 |
| Fort Covington Hamlet | $1,411 |
| Fort Drum | $1,355 |
| Fort Edward | $1,342 |
| Fort Hunter | $1,367 |
| Fort Johnson | $1,438 |
| Fort Montgomery | $1,432 |
| Fort Plain | $1,328 |
| Fort Salonga | $2,791 |
| Frankfort | $1,360 |
| Franklin | $1,337 |
| Franklin Springs | $1,394 |
| Franklin Square | $2,540 |
| Franklinville | $1,287 |
| Fredonia | $1,277 |
| Freedom | $1,281 |
| Freehold | $1,405 |
| Freeport | $2,746 |
| Freeville | $1,249 |
| Fremont Center | $1,430 |
| Fresh Meadows | $2,168 |
| Frewsburg | $1,278 |
| Friendship | $1,266 |
| Fulton | $1,285 |
| Fultonham | $1,418 |
| Fultonville | $1,400 |
| Gabriels | $1,405 |
| Gainesville | $1,276 |
| Galeville | $1,230 |
| Gallupville | $1,453 |
| Galway | $1,425 |
| Gang Mills | $1,250 |
| Gansevoort | $1,327 |
| Garden City | $2,384 |
| Garden City Park | $2,416 |
| Garden City South | $2,451 |
| Gardiner | $1,415 |
| Gardnertown | $1,402 |
| Garnerville | $1,560 |
| Garrattsville | $1,322 |
| Garrison | $1,547 |
| Gasport | $1,200 |
| Gates | $1,186 |
| Geneseo | $1,222 |
| Geneva | $1,250 |
| Genoa | $1,283 |
| Georgetown | $1,234 |
| Germantown | $1,393 |
| Gerry | $1,304 |
| Getzville | $1,151 |
| Ghent | $1,409 |
| Gilbertsville | $1,318 |
| Gilboa | $1,425 |
| Glasco | $1,401 |
| Glen Aubrey | $1,268 |
| Glen Cove | $2,469 |
| Glen Head | $2,444 |
| Glen Oaks | $2,157 |
| Glen Spey | $1,479 |
| Glen Wild | $1,446 |
| Glenfield | $1,331 |
| Glenford | $1,403 |
| Glenham | $1,411 |
| Glenmont | $1,338 |
| Glens Falls | $1,363 |
| Glens Falls North | $1,392 |
| Glenwood | $1,172 |
| Glenwood Landing | $2,407 |
| Gloversville | $1,422 |
| Golden’s Bridge | $1,620 |
| Gordon Heights | $3,010 |
| Goshen | $1,420 |
| Gouverneur | $1,335 |
| Gowanda | $1,211 |
| Grahamsville | $1,472 |
| Grand Gorge | $1,380 |
| Grand Island | $1,195 |
| Grandyle Village | $1,192 |
| Granite Springs | $1,592 |
| Granville | $1,403 |
| Great Bend | $1,369 |
| Great Neck | $2,509 |
| Great Neck Estates | $2,505 |
| Great Neck Gardens | $2,518 |
| Great Neck Plaza | $2,511 |
| Great River | $3,276 |
| Great Valley | $1,299 |
| Greece | $1,170 |
| Green Island | $1,331 |
| Greene | $1,336 |
| Greenfield Center | $1,357 |
| Greenfield Park | $1,406 |
| Greenhurst | $1,307 |
| Greenlawn | $2,712 |
| Greenport | $3,260 |
| Greenport West | $3,262 |
| Greenvale | $2,457 |
| Greenville | $1,524 |
| Greenwich | $1,397 |
| Greenwood | $1,277 |
| Greenwood Lake | $1,455 |
| Greig | $1,363 |
| Groton | $1,260 |
| Groveland | $1,214 |
| Guilderland | $1,331 |
| Guilderland Center | $1,367 |
| Guilford | $1,327 |
| Hadley | $1,369 |
| Hagaman | $1,453 |
| Hague | $1,359 |
| Hailesboro | $1,335 |
| Haines Falls | $1,453 |
| Halcottsville | $1,380 |
| Halesite | $2,720 |
| Hall | $1,214 |
| Hamburg | $1,209 |
| Hamden | $1,342 |
| Hamilton | $1,228 |
| Hamlin | $1,167 |
| Hammond | $1,343 |
| Hammondsport | $1,266 |
| Hampton | $1,411 |
| Hampton Bays | $3,528 |
| Hampton Manor | $1,343 |
| Hancock | $1,361 |
| Hankins | $1,447 |
| Hannacroix | $1,379 |
| Hannawa Falls | $1,345 |
| Hannibal | $1,282 |
| Harbor Hills | $2,510 |
| Harbor Isle | $2,761 |
| Harpersfield | $1,347 |
| Harpursville | $1,294 |
| Harriman | $1,448 |
| Harris | $1,464 |
| Harris Hill | $1,148 |
| Harrison | $1,741 |
| Harrisville | $1,351 |
| Hartford | $1,390 |
| Hartsdale | $1,675 |
| Hartwick | $1,327 |
| Hastings | $1,269 |
| Hastings-on-Hudson | $1,665 |
| Hauppauge | $2,734 |
| Haverstraw | $1,553 |
| Haviland | $1,351 |
| Hawthorne | $1,640 |
| Head of the Harbor | $2,832 |
| Hector | $1,263 |
| Helena | $1,376 |
| Hemlock | $1,201 |
| Hempstead | $2,516 |
| Henderson | $1,352 |
| Henderson Harbor | $1,371 |
| Henrietta | $1,145 |
| Hensonville | $1,438 |
| Heritage Hills | $1,589 |
| Herkimer | $1,357 |
| Hermon | $1,336 |
| Herricks | $2,397 |
| Heuvelton | $1,347 |
| Hewlett | $2,663 |
| Hewlett Bay Park | $2,745 |
| Hewlett Harbor | $2,743 |
| Hicksville | $2,389 |
| High Falls | $1,409 |
| Highland | $1,404 |
| Highland Falls | $1,438 |
| Highland Lake | $1,496 |
| Highland Mills | $1,440 |
| Highmount | $1,406 |
| Hillburn | $1,566 |
| Hillcrest | $1,592 |
| Hillsdale | $1,402 |
| Hillside | $1,375 |
| Hillside Lake | $1,353 |
| Hilton | $1,149 |
| Himrod | $1,266 |
| Hinckley | $1,408 |
| Hinsdale | $1,292 |
| Hobart | $1,345 |
| Hoffmeister | $1,396 |
| Hogansburg | $1,395 |
| Holbrook | $3,030 |
| Holland | $1,181 |
| Holland Patent | $1,392 |
| Holley | $1,223 |
| Hollis | $2,141 |
| Hollowville | $1,392 |
| Holmes | $1,393 |
| Holtsville | $3,136 |
| Homer | $1,281 |
| Honeoye | $1,206 |
| Honeoye Falls | $1,164 |
| Hoosick Falls | $1,385 |
| Hopewell Junction | $1,379 |
| Hornell | $1,258 |
| Horseheads | $1,260 |
| Horseheads North | $1,255 |
| Hortonville | $1,444 |
| Houghton | $1,281 |
| Howard Beach | $2,231 |
| Howells | $1,419 |
| Howes Cave | $1,413 |
| Hubbardsville | $1,247 |
| Hudson | $1,389 |
| Hudson Falls | $1,365 |
| Hughsonville | $1,353 |
| Huguenot | $1,515 |
| Huletts Landing | $1,405 |
| Hunt | $1,228 |
| Hunter | $1,424 |
| Huntington | $2,719 |
| Huntington Bay | $2,728 |
| Huntington Station | $2,715 |
| Hurley | $1,377 |
| Hurleyville | $1,470 |
| Hyde Park | $1,360 |
| Ilion | $1,357 |
| Indian Lake | $1,367 |
| Inlet | $1,354 |
| Interlaken | $1,281 |
| Inwood | $2,706 |
| Ionia | $1,192 |
| Irondequoit | $1,178 |
| Irving | $1,181 |
| Irvington | $1,666 |
| Island Park | $2,759 |
| Islandia | $2,758 |
| Islip | $3,197 |
| Islip Terrace | $3,203 |
| Ithaca | $1,258 |
| Jackson Heights | $2,107 |
| Jacksonville | $1,272 |
| Jamaica | $2,231 |
| Jamesport | $3,081 |
| Jamestown | $1,281 |
| Jamestown West | $1,283 |
| Jamesville | $1,228 |
| Jasper | $1,284 |
| Java Center | $1,263 |
| Java Village | $1,262 |
| Jay | $1,371 |
| Jefferson | $1,349 |
| Jefferson Heights | $1,438 |
| Jefferson Valley | $1,597 |
| Jefferson Valley-Yorktown | $1,588 |
| Jeffersonville | $1,448 |
| Jericho | $2,402 |
| Jewett | $1,442 |
| Johnsburg | $1,391 |
| Johnson | $1,427 |
| Johnson City | $1,272 |
| Johnsonville | $1,387 |
| Johnstown | $1,406 |
| Jordan | $1,242 |
| Jordanville | $1,344 |
| Kanona | $1,282 |
| Kaser | $1,595 |
| Katonah | $1,598 |
| Kattskill Bay | $1,378 |
| Kauneonga Lake | $1,460 |
| Keene | $1,371 |
| Keene Valley | $1,390 |
| Keeseville | $1,396 |
| Kendall | $1,240 |
| Kenmore | $1,195 |
| Kennedy | $1,293 |
| Kenoza Lake | $1,431 |
| Kensington | $2,510 |
| Kent | $1,242 |
| Kerhonkson | $1,418 |
| Keuka Park | $1,261 |
| Kew Gardens | $2,141 |
| Kiamesha Lake | $1,446 |
| Kill Buck | $1,306 |
| Killawog | $1,271 |
| Kinderhook | $1,386 |
| King Ferry | $1,286 |
| Kings Park | $2,822 |
| Kings Point | $2,517 |
| Kingston | $1,375 |
| Kirkville | $1,209 |
| Kirkwood | $1,266 |
| Kiryas Joel | $1,452 |
| Knowlesville | $1,268 |
| Knoxboro | $1,365 |
| La Fargeville | $1,343 |
| La Fayette | $1,203 |
| Lackawanna | $1,198 |
| Lacona | $1,285 |
| Lagrangeville | $1,383 |
| Lake Carmel | $1,586 |
| Lake Clear | $1,387 |
| Lake Erie Beach | $1,188 |
| Lake George | $1,434 |
| Lake Grove | $2,726 |
| Lake Hill | $1,434 |
| Lake Huntington | $1,440 |
| Lake Katrine | $1,411 |
| Lake Luzerne | $1,404 |
| Lake Mohegan | $1,576 |
| Lake Peekskill | $1,577 |
| Lake Placid | $1,363 |
| Lake Pleasant | $1,399 |
| Lake Ronkonkoma | $2,770 |
| Lake Success | $2,507 |
| Lake View | $1,184 |
| Lakeland | $1,246 |
| Lakemont | $1,288 |
| Lakeview | $2,583 |
| Lakeville | $1,207 |
| Lakewood | $1,291 |
| Lancaster | $1,165 |
| Lanesville | $1,463 |
| Lansing | $1,260 |
| Larchmont | $1,730 |
| Latham | $1,337 |
| Lattingtown | $2,406 |
| Laurel | $3,189 |
| Laurel Hollow | $2,398 |
| Laurens | $1,298 |
| Lawrence | $2,698 |
| Lawrenceville | $1,397 |
| Lawtons | $1,194 |
| Le Roy | $1,260 |
| Lee Center | $1,410 |
| Leeds | $1,414 |
| Leicester | $1,207 |
| Leonardsville | $1,249 |
| Levittown | $2,639 |
| Lewis | $1,375 |
| Lewiston | $1,223 |
| Liberty | $1,435 |
| Lido Beach | $2,759 |
| Lily Dale | $1,329 |
| Lima | $1,190 |
| Lime Lake | $1,289 |
| Limerick | $1,376 |
| Limestone | $1,296 |
| Lincoln Park | $1,375 |
| Lincolndale | $1,599 |
| Lindenhurst | $3,175 |
| Lindley | $1,276 |
| Linwood | $1,237 |
| Lisbon | $1,341 |
| Lisle | $1,272 |
| Little Falls | $1,360 |
| Little Genesee | $1,280 |
| Little Neck | $2,302 |
| Little Valley | $1,310 |
| Little York | $1,257 |
| Liverpool | $1,229 |
| Livingston Manor | $1,429 |
| Livonia | $1,207 |
| Livonia Center | $1,228 |
| Lloyd Harbor | $2,728 |
| Loch Sheldrake | $1,454 |
| Locke | $1,275 |
| Lockport | $1,183 |
| Lockwood | $1,300 |
| Locust Valley | $2,403 |
| Lodi | $1,287 |
| Long Beach | $2,755 |
| Long Eddy | $1,384 |
| Long Island City | $2,119 |
| Long Lake | $1,365 |
| Lorenz Park | $1,390 |
| Lorraine | $1,395 |
| Lowman | $1,280 |
| Lowville | $1,344 |
| Lycoming | $1,299 |
| Lynbrook | $2,580 |
| Lyncourt | $1,275 |
| Lyndonville | $1,270 |
| Lyon Mountain | $1,405 |
| Lyons | $1,213 |
| Lyons Falls | $1,334 |
| Macedon | $1,217 |
| Machias | $1,289 |
| Madison | $1,236 |
| Madrid | $1,341 |
| Mahopac | $1,604 |
| Mahopac Falls | $1,701 |
| Maine | $1,281 |
| Malden Bridge | $1,409 |
| Malden On Hudson | $1,433 |
| Mallory | $1,294 |
| Malone | $1,407 |
| Malverne | $2,563 |
| Malverne Park Oaks | $2,564 |
| Mamaroneck | $1,724 |
| Manchester | $1,211 |
| Manhasset | $2,467 |
| Manhasset Hills | $2,377 |
| Manlius | $1,213 |
| Mannsville | $1,343 |
| Manorhaven | $2,496 |
| Manorville | $3,401 |
| Maple Springs | $1,309 |
| Maple View | $1,258 |
| Maplecrest | $1,438 |
| Marathon | $1,267 |
| Marcellus | $1,226 |
| Marcy | $1,378 |
| Margaretville | $1,375 |
| Mariaville Lake | $1,418 |
| Marietta | $1,211 |
| Marilla | $1,162 |
| Marion | $1,217 |
| Marlboro | $1,396 |
| Martville | $1,281 |
| Maryknoll | $1,724 |
| Maryland | $1,306 |
| Masonville | $1,318 |
| Maspeth | $2,076 |
| Massapequa | $2,486 |
| Massapequa Park | $2,481 |
| Massena | $1,341 |
| Mastic | $3,408 |
| Mastic Beach | $3,424 |
| Matinecock | $2,405 |
| Mattituck | $3,188 |
| Mattydale | $1,222 |
| Maybrook | $1,421 |
| Mayfield | $1,468 |
| Mayville | $1,314 |
| Mc Connellsville | $1,404 |
| Mc Donough | $1,315 |
| Mc Graw | $1,275 |
| Mc Lean | $1,251 |
| Mechanicstown | $1,414 |
| Mechanicville | $1,370 |
| Mecklenburg | $1,270 |
| Medford | $3,166 |
| Medina | $1,260 |
| Medusa | $1,332 |
| Mellenville | $1,379 |
| Melrose | $1,393 |
| Melrose Park | $1,286 |
| Melville | $2,705 |
| Memphis | $1,225 |
| Menands | $1,374 |
| Mendon | $1,164 |
| Meridale | $1,336 |
| Meridian | $1,280 |
| Merrick | $2,708 |
| Merritt Park | $1,398 |
| Mexico | $1,259 |
| Middle Falls | $1,395 |
| Middle Granville | $1,410 |
| Middle Grove | $1,364 |
| Middle Island | $2,813 |
| Middle Village | $2,095 |
| Middleburgh | $1,380 |
| Middleport | $1,219 |
| Middlesex | $1,246 |
| Middletown | $1,424 |
| Middleville | $1,356 |
| Milford | $1,337 |
| Mill Neck | $2,477 |
| Millbrook | $1,368 |
| Miller Place | $2,881 |
| Millerton | $1,337 |
| Millport | $1,245 |
| Millwood | $1,582 |
| Milton | $1,381 |
| Mineola | $2,471 |
| Minerva | $1,390 |
| Minetto | $1,265 |
| Mineville | $1,400 |
| Minoa | $1,214 |
| Model City | $1,207 |
| Modena | $1,429 |
| Mohawk | $1,360 |
| Mohegan Lake | $1,574 |
| Moira | $1,409 |
| Mongaup Valley | $1,463 |
| Monroe | $1,429 |
| Monsey | $1,593 |
| Montauk | $3,668 |
| Montebello | $1,598 |
| Montgomery | $1,396 |
| Monticello | $1,441 |
| Montour Falls | $1,265 |
| Montrose | $1,550 |
| Mooers | $1,426 |
| Mooers Forks | $1,406 |
| Moravia | $1,271 |
| Moriah | $1,393 |
| Moriah Center | $1,393 |
| Moriches | $3,429 |
| Morris | $1,311 |
| Morrisonville | $1,426 |
| Morristown | $1,358 |
| Morrisville | $1,240 |
| Morton | $1,170 |
| Mottville | $1,232 |
| Mount Ivy | $1,569 |
| Mount Kisco | $1,597 |
| Mount Marion | $1,405 |
| Mount Morris | $1,222 |
| Mount Sinai | $2,876 |
| Mount Tremper | $1,417 |
| Mount Upton | $1,327 |
| Mount Vernon | $1,868 |
| Mount Vision | $1,301 |
| Mountain Dale | $1,442 |
| Mountain Lodge Park | $1,452 |
| Mountainville | $1,443 |
| Mumford | $1,144 |
| Munnsville | $1,232 |
| Munsey Park | $2,425 |
| Munsons Corners | $1,268 |
| Muttontown | $2,413 |
| Myers Corner | $1,351 |
| Nanuet | $1,584 |
| Napanoch | $1,440 |
| Napeague | $3,709 |
| Naples | $1,237 |
| Narrowsburg | $1,429 |
| Nassau | $1,373 |
| Natural Bridge | $1,346 |
| Nedrow | $1,224 |
| Nelliston | $1,326 |
| Nelsonville | $1,546 |
| Nesconset | $2,719 |
| Neversink | $1,461 |
| New Berlin | $1,315 |
| New Cassel | $2,444 |
| New City | $1,591 |
| New Hampton | $1,418 |
| New Hartford | $1,373 |
| New Hempstead | $1,594 |
| New Hyde Park | $2,376 |
| New Kingston | $1,374 |
| New Lebanon | $1,396 |
| New Lisbon | $1,322 |
| New Milford | $1,450 |
| New Paltz | $1,409 |
| New Rochelle | $1,796 |
| New Russia | $1,393 |
| New Square | $1,594 |
| New Suffolk | $3,287 |
| New Windsor | $1,406 |
| New Woodstock | $1,231 |
| New York | $2,609 |
| New York Mills | $1,371 |
| Newark | $1,195 |
| Newark Valley | $1,262 |
| Newburgh | $1,399 |
| Newcomb | $1,398 |
| Newfane | $1,192 |
| Newfield | $1,245 |
| Newport | $1,359 |
| Newton Falls | $1,342 |
| Newtonville | $1,343 |
| Niagara Falls | $1,384 |
| Niagara University | $1,313 |
| Nichols | $1,276 |
| Nicholville | $1,384 |
| Nineveh | $1,279 |
| Niobe | $1,406 |
| Niskayuna | $1,367 |
| Nissequogue | $2,809 |
| Niverville | $1,394 |
| Norfolk | $1,343 |
| North Amityville | $3,190 |
| North Babylon | $3,172 |
| North Ballston Spa | $1,348 |
| North Bangor | $1,406 |
| North Bay | $1,385 |
| North Bay Shore | $3,233 |
| North Bellmore | $2,727 |
| North Bellport | $3,266 |
| North Blenheim | $1,446 |
| North Boston | $1,211 |
| North Branch | $1,436 |
| North Brookfield | $1,246 |
| North Chatham | $1,403 |
| North Chili | $1,137 |
| North Collins | $1,187 |
| North Creek | $1,366 |
| North Evans | $1,177 |
| North Gates | $1,189 |
| North Granville | $1,394 |
| North Great River | $3,204 |
| North Greece | $1,154 |
| North Haven | $3,250 |
| North Hills | $2,408 |
| North Hoosick | $1,416 |
| North Hudson | $1,360 |
| North Java | $1,260 |
| North Lawrence | $1,352 |
| North Lindenhurst | $3,175 |
| North Lynbrook | $2,584 |
| North Massapequa | $2,489 |
| North Merrick | $2,709 |
| North New Hyde Park | $2,380 |
| North Patchogue | $3,329 |
| North Pitcher | $1,362 |
| North River | $1,400 |
| North Rose | $1,223 |
| North Salem | $1,604 |
| North Sea | $3,684 |
| North Syracuse | $1,233 |
| North Tonawanda | $1,175 |
| North Valley Stream | $2,544 |
| North Wantagh | $2,736 |
| Northampton | $3,072 |
| Northeast Ithaca | $1,256 |
| Northport | $2,790 |
| Northville | $1,979 |
| Northwest Harbor | $3,640 |
| Northwest Ithaca | $1,256 |
| Norwich | $1,308 |
| Norwood | $1,343 |
| Noyack | $3,253 |
| Nunda | $1,228 |
| Nyack | $1,553 |
| Oak Hill | $1,462 |
| Oakdale | $3,272 |
| Oakfield | $1,280 |
| Oakland Gardens | $2,244 |
| Oaks Corners | $1,240 |
| Obernburg | $1,440 |
| Ocean Beach | $3,233 |
| Oceanside | $2,735 |
| Odessa | $1,270 |
| Ogdensburg | $1,333 |
| Olcott | $1,201 |
| Old Bethpage | $2,396 |
| Old Brookville | $2,417 |
| Old Chatham | $1,396 |
| Old Field | $2,866 |
| Old Forge | $1,347 |
| Old Westbury | $2,472 |
| Olean | $1,272 |
| Olivebridge | $1,419 |
| Olmstedville | $1,370 |
| Oneida | $1,307 |
| Oneonta | $1,314 |
| Ontario | $1,208 |
| Ontario Center | $1,199 |
| Orange Lake | $1,407 |
| Orangeburg | $1,545 |
| Orchard Park | $1,194 |
| Orient | $3,281 |
| Oriskany | $1,378 |
| Oriskany Falls | $1,362 |
| Ossining | $1,585 |
| Oswegatchie | $1,367 |
| Oswego | $1,282 |
| Otego | $1,313 |
| Otisville | $1,427 |
| Ouaquaga | $1,295 |
| Ovid | $1,295 |
| Owego | $1,282 |
| Owls Head | $1,398 |
| Oxbow | $1,458 |
| Oxford | $1,317 |
| Oyster Bay | $2,414 |
| Oyster Bay Cove | $2,376 |
| Ozone Park | $2,196 |
| Painted Post | $1,249 |
| Palatine Bridge | $1,321 |
| Palenville | $1,443 |
| Palisades | $1,572 |
| Palmyra | $1,220 |
| Panama | $1,312 |
| Paradox | $1,396 |
| Parish | $1,302 |
| Parishville | $1,354 |
| Parksville | $1,455 |
| Patchogue | $3,329 |
| Patterson | $1,596 |
| Pattersonville | $1,418 |
| Paul Smiths | $1,408 |
| Pavilion | $1,268 |
| Pawling | $1,376 |
| Peach Lake | $1,604 |
| Pearl River | $1,548 |
| Peconic | $3,235 |
| Peekskill | $1,549 |
| Pelham | $1,736 |
| Pelham Manor | $1,728 |
| Penfield | $1,163 |
| Penn Yan | $1,258 |
| Pennellville | $1,276 |
| Perkinsville | $1,296 |
| Perry | $1,252 |
| Perrysburg | $1,272 |
| Peru | $1,390 |
| Peterboro | $1,251 |
| Petersburg | $1,381 |
| Phelps | $1,218 |
| Philadelphia | $1,350 |
| Phillipsport | $1,439 |
| Philmont | $1,397 |
| Phoenicia | $1,432 |
| Phoenix | $1,272 |
| Piercefield | $1,353 |
| Piermont | $1,572 |
| Pierrepont Manor | $1,362 |
| Piffard | $1,194 |
| Pine Bush | $1,388 |
| Pine City | $1,273 |
| Pine Hill | $1,418 |
| Pine Island | $1,425 |
| Pine Plains | $1,351 |
| Pine Valley | $1,247 |
| Piseco | $1,388 |
| Pitcher | $1,367 |
| Pittsford | $1,172 |
| Plainedge | $2,488 |
| Plainview | $2,421 |
| Plainville | $1,223 |
| Plandome | $2,424 |
| Plandome Heights | $2,423 |
| Plandome Manor | $2,425 |
| Plattekill | $1,410 |
| Plattsburgh | $1,410 |
| Plattsburgh West | $1,412 |
| Pleasant Valley | $1,378 |
| Pleasantville | $1,645 |
| Plessis | $1,375 |
| Plymouth | $1,340 |
| Poestenkill | $1,404 |
| Point Lookout | $2,751 |
| Poland | $1,382 |
| Pomona | $1,571 |
| Pond Eddy | $1,500 |
| Poplar Ridge | $1,266 |
| Poquott | $2,864 |
| Port Byron | $1,264 |
| Port Chester | $1,723 |
| Port Crane | $1,292 |
| Port Dickinson | $1,268 |
| Port Ewen | $1,393 |
| Port Gibson | $1,227 |
| Port Henry | $1,390 |
| Port Jefferson | $2,874 |
| Port Jefferson Station | $2,894 |
| Port Jervis | $1,464 |
| Port Kent | $1,407 |
| Port Leyden | $1,329 |
| Port Washington | $2,495 |
| Port Washington North | $2,498 |
| Portageville | $1,278 |
| Porter Corners | $1,351 |
| Portlandville | $1,346 |
| Portville | $1,273 |
| Potsdam | $1,360 |
| Pottersville | $1,344 |
| Poughkeepsie | $1,335 |
| Poughquag | $1,394 |
| Pound Ridge | $1,688 |
| Prattsburgh | $1,272 |
| Prattsville | $1,417 |
| Preble | $1,278 |
| Preston Hollow | $1,355 |
| Prospect | $1,417 |
| Pulaski | $1,273 |
| Pulteney | $1,268 |
| Pultneyville | $1,238 |
| Purchase | $1,677 |
| Purdys | $1,576 |
| Purling | $1,431 |
| Putnam Lake | $1,593 |
| Putnam Station | $1,387 |
| Putnam Valley | $1,591 |
| Pyrites | $1,370 |
| Quaker Street | $1,377 |
| Queens Village | $2,189 |
| Queensbury | $1,395 |
| Quiogue | $3,523 |
| Quogue | $3,541 |
| Rainbow Lake | $1,409 |
| Randolph | $1,298 |
| Ransomville | $1,186 |
| Rapids | $1,184 |
| Raquette Lake | $1,377 |
| Ravena | $1,311 |
| Ray Brook | $1,379 |
| Raymondville | $1,362 |
| Reading Center | $1,290 |
| Red Creek | $1,260 |
| Red Hook | $1,341 |
| Red Oaks Mill | $1,338 |
| Redfield | $1,325 |
| Redford | $1,400 |
| Redwood | $1,333 |
| Rego Park | $2,142 |
| Remsen | $1,397 |
| Remsenburg | $3,504 |
| Rensselaer | $1,343 |
| Rensselaer Falls | $1,350 |
| Rensselaerville | $1,328 |
| Retsof | $1,233 |
| Rexford | $1,338 |
| Rexville | $1,277 |
| Rhinebeck | $1,316 |
| Rhinecliff | $1,298 |
| Richburg | $1,263 |
| Richfield Springs | $1,333 |
| Richford | $1,276 |
| Richland | $1,273 |
| Richmond Hill | $2,187 |
| Richmondville | $1,387 |
| Richville | $1,381 |
| Ridge | $2,813 |
| Ridgewood | $2,107 |
| Rifton | $1,416 |
| Riparius | $1,374 |
| Ripley | $1,294 |
| Riverhead | $3,075 |
| Riverside | $3,072 |
| Rochester | $1,272 |
| Rock City Falls | $1,374 |
| Rock Hill | $1,443 |
| Rock Stream | $1,260 |
| Rock Tavern | $1,407 |
| Rockaway Park | $2,416 |
| Rockville Centre | $2,631 |
| Rocky Point | $2,863 |
| Rodman | $1,380 |
| Rome | $1,405 |
| Romulus | $1,305 |
| Ronkonkoma | $2,830 |
| Roosevelt | $2,644 |
| Rooseveltown | $1,443 |
| Roscoe | $1,407 |
| Roseboom | $1,333 |
| Rosedale | $2,325 |
| Rosendale | $1,400 |
| Rosendale Hamlet | $1,381 |
| Roslyn | $2,404 |
| Roslyn Estates | $2,404 |
| Roslyn Harbor | $2,411 |
| Roslyn Heights | $2,386 |
| Rotterdam | $1,372 |
| Rotterdam Junction | $1,393 |
| Round Lake | $1,333 |
| Round Top | $1,406 |
| Rouses Point | $1,441 |
| Roxbury | $1,357 |
| Ruby | $1,399 |
| Rush | $1,136 |
| Rushford | $1,280 |
| Rushville | $1,226 |
| Russell | $1,335 |
| Russell Gardens | $2,509 |
| Rye | $1,727 |
| Rye Brook | $1,722 |
| SUNY Oswego | $1,282 |
| Sabael | $1,385 |
| Sackets Harbor | $1,345 |
| Saddle Rock | $2,510 |
| Sag Harbor | $3,253 |
| Sagaponack | $3,656 |
| Salamanca | $1,307 |
| Salem | $1,405 |
| Salisbury | $2,478 |
| Salisbury Center | $1,365 |
| Salisbury Mills | $1,413 |
| Salt Point | $1,345 |
| Saltaire | $3,239 |
| Sanborn | $1,187 |
| Sand Lake | $1,400 |
| Sand Ridge | $1,271 |
| Sands Point | $2,496 |
| Sandusky | $1,291 |
| Sandy Creek | $1,271 |
| Saranac | $1,395 |
| Saranac Lake | $1,384 |
| Saratoga Springs | $1,351 |
| Sardinia | $1,192 |
| Saugerties | $1,406 |
| Saugerties South | $1,401 |
| Sauquoit | $1,371 |
| Savannah | $1,228 |
| Savona | $1,275 |
| Sayville | $3,271 |
| Scarsdale | $1,658 |
| Schaghticoke | $1,395 |
| Schenectady | $1,373 |
| Schenevus | $1,309 |
| Schodack Landing | $1,387 |
| Schoharie | $1,404 |
| Schroon Lake | $1,362 |
| Schuyler Falls | $1,397 |
| Schuyler Lake | $1,331 |
| Schuylerville | $1,361 |
| Scio | $1,259 |
| Scipio Center | $1,275 |
| Scotchtown | $1,430 |
| Scotia | $1,369 |
| Scotts Corners | $1,687 |
| Scottsburg | $1,218 |
| Scottsville | $1,142 |
| Sea Cliff | $2,475 |
| Seaford | $2,732 |
| Searingtown | $2,412 |
| Selden | $2,785 |
| Selkirk | $1,340 |
| Seneca Castle | $1,200 |
| Seneca Falls | $1,297 |
| Seneca Knolls | $1,244 |
| Setauket-East Setauket | $2,864 |
| Severance | $1,391 |
| Shandaken | $1,420 |
| Sharon Springs | $1,367 |
| Shelter Island | $3,263 |
| Shelter Island Heights | $3,231 |
| Shenorock | $1,589 |
| Sherburne | $1,317 |
| Sherman | $1,314 |
| Sherrill | $1,357 |
| Shinnecock Hills | $3,669 |
| Shirley | $3,389 |
| Shokan | $1,428 |
| Shoreham | $2,825 |
| Shortsville | $1,211 |
| Shrub Oak | $1,584 |
| Shushan | $1,406 |
| Sidney | $1,308 |
| Sidney Center | $1,334 |
| Silver Bay | $1,388 |
| Silver Creek | $1,260 |
| Silver Lake | $1,267 |
| Silver Springs | $1,262 |
| Sinclairville | $1,311 |
| Skaneateles | $1,230 |
| Skaneateles Falls | $1,201 |
| Slate Hill | $1,419 |
| Slaterville Springs | $1,246 |
| Sleepy Hollow | $1,658 |
| Slingerlands | $1,342 |
| Sloan | $1,207 |
| Sloansville | $1,469 |
| Sloatsburg | $1,570 |
| Smallwood | $1,448 |
| Smithboro | $1,288 |
| Smithtown | $2,773 |
| Smithville Flats | $1,348 |
| Smyrna | $1,340 |
| Sodus | $1,202 |
| Sodus Point | $1,199 |
| Solsville | $1,284 |
| Solvay | $1,245 |
| Somers | $1,591 |
| Sonyea | $1,322 |
| Sound Beach | $2,877 |
| South Bethlehem | $1,348 |
| South Blooming Grove | $1,455 |
| South Butler | $1,222 |
| South Byron | $1,292 |
| South Cairo | $1,445 |
| South Colton | $1,345 |
| South Dayton | $1,293 |
| South Fallsburg | $1,447 |
| South Farmingdale | $2,459 |
| South Floral Park | $2,452 |
| South Glens Falls | $1,320 |
| South Hempstead | $2,574 |
| South Hill | $1,253 |
| South Huntington | $2,710 |
| South Jamesport | $3,262 |
| South Kortright | $1,349 |
| South Lima | $1,217 |
| South Lockport | $1,181 |
| South New Berlin | $1,336 |
| South Nyack | $1,550 |
| South Otselic | $1,357 |
| South Ozone Park | $2,221 |
| South Plymouth | $1,338 |
| South Richmond Hill | $2,211 |
| South Salem | $1,634 |
| South Valley Stream | $2,599 |
| South Wales | $1,174 |
| Southampton | $3,674 |
| Southfields | $1,439 |
| Southold | $3,260 |
| Southport | $1,267 |
| Spackenkill | $1,336 |
| Sparkill | $1,559 |
| Sparrow Bush | $1,487 |
| Speculator | $1,406 |
| Spencer | $1,257 |
| Spencerport | $1,165 |
| Spencertown | $1,400 |
| Speonk | $3,508 |
| Sprakers | $1,384 |
| Spring Brook | $1,154 |
| Spring Glen | $1,426 |
| Spring Valley | $1,593 |
| Springfield Center | $1,319 |
| Springfield Gardens | $2,310 |
| Springs | $3,644 |
| Springville | $1,189 |
| Springwater | $1,226 |
| St. Albans | $2,232 |
| St. Bonaventure | $1,332 |
| St. James | $2,781 |
| St. Johnsville | $1,340 |
| St. Regis Falls | $1,385 |
| Staatsburg | $1,334 |
| Stafford | $1,267 |
| Stamford | $1,358 |
| Stanfordville | $1,352 |
| Stanley | $1,219 |
| Star Lake | $1,341 |
| Staten Island | $1,991 |
| Steamburg | $1,323 |
| Stella Niagara | $1,278 |
| Stephentown | $1,389 |
| Sterling | $1,289 |
| Sterling Forest | $1,455 |
| Stewart Manor | $2,415 |
| Stillwater | $1,364 |
| Stittville | $1,395 |
| Stockton | $1,307 |
| Stone Ridge | $1,400 |
| Stony Brook | $2,831 |
| Stony Brook University | $2,835 |
| Stony Creek | $1,389 |
| Stony Point | $1,559 |
| Stormville | $1,392 |
| Stottville | $1,390 |
| Stow | $1,322 |
| Stratford | $1,356 |
| Strykersville | $1,257 |
| Stuyvesant | $1,383 |
| Stuyvesant Falls | $1,384 |
| Suffern | $1,596 |
| Sugar Loaf | $1,447 |
| Summit | $1,387 |
| Summitville | $1,456 |
| Sunnyside | $2,067 |
| Sunset Bay | $1,277 |
| Surprise | $1,418 |
| Swain | $1,270 |
| Swan Lake | $1,446 |
| Sylvan Beach | $1,379 |
| Syosset | $2,402 |
| Syracuse | $1,346 |
| Taberg | $1,405 |
| Tallman | $1,568 |
| Tannersville | $1,441 |
| Tappan | $1,546 |
| Tarrytown | $1,658 |
| Terryville | $2,891 |
| Thendara | $1,381 |
| Theresa | $1,356 |
| Thiells | $1,564 |
| Thomaston | $2,510 |
| Thompson Ridge | $1,429 |
| Thompsonville | $1,470 |
| Thornwood | $1,642 |
| Thousand Island Park | $1,361 |
| Three Mile Bay | $1,356 |
| Ticonderoga | $1,382 |
| Tillson | $1,406 |
| Tioga Center | $1,280 |
| Titusville | $1,339 |
| Tivoli | $1,342 |
| Tomkins Cove | $1,553 |
| Tonawanda | $1,206 |
| Town Line | $1,172 |
| Treadwell | $1,325 |
| Tribes Hill | $1,396 |
| Troupsburg | $1,323 |
| Trout Creek | $1,371 |
| Troy | $1,383 |
| Trumansburg | $1,265 |
| Truxton | $1,293 |
| Tuckahoe | $2,670 |
| Tully | $1,239 |
| Tunnel | $1,339 |
| Tupper Lake | $1,390 |
| Turin | $1,355 |
| Tuxedo Park | $1,447 |
| Ulster Park | $1,401 |
| Unadilla | $1,317 |
| Union Hill | $1,213 |
| Union Springs | $1,296 |
| Uniondale | $2,564 |
| Unionville | $1,430 |
| University Gardens | $2,508 |
| University at Buffalo | $1,250 |
| Upper Brookville | $2,372 |
| Upper Jay | $1,388 |
| Upper Nyack | $1,550 |
| Upton | $3,242 |
| Utica | $1,390 |
| Vails Gate | $1,405 |
| Valatie | $1,397 |
| Valhalla | $1,669 |
| Valley Cottage | $1,573 |
| Valley Falls | $1,386 |
| Valley Stream | $2,591 |
| Van Buren Point | $1,273 |
| Van Etten | $1,279 |
| Van Hornesville | $1,384 |
| Varysburg | $1,250 |
| Verbank | $1,367 |
| Vermontville | $1,400 |
| Vernon | $1,387 |
| Vernon Center | $1,373 |
| Verona | $1,388 |
| Verona Beach | $1,392 |
| Verplanck | $1,551 |
| Versailles | $1,293 |
| Vestal | $1,279 |
| Victor | $1,167 |
| Victory | $1,359 |
| Victory Mills | $1,357 |
| Village Green | $1,214 |
| Village of the Branch | $2,720 |
| Viola | $1,593 |
| Voorheesville | $1,351 |
| Waccabuc | $1,604 |
| Waddington | $1,340 |
| Wading River | $3,066 |
| Wainscott | $3,684 |
| Walden | $1,418 |
| Wales Center | $1,174 |
| Walker Valley | $1,399 |
| Wallkill | $1,416 |
| Walton | $1,356 |
| Walton Park | $1,451 |
| Walworth | $1,207 |
| Wampsville | $1,258 |
| Wanakah | $1,209 |
| Wanakena | $1,372 |
| Wantagh | $2,731 |
| Wappingers Falls | $1,353 |
| Warners | $1,241 |
| Warnerville | $1,423 |
| Warrensburg | $1,424 |
| Warsaw | $1,253 |
| Warwick | $1,446 |
| Washington Heights | $1,419 |
| Washington Mills | $1,388 |
| Washingtonville | $1,401 |
| Wassaic | $1,341 |
| Water Mill | $3,623 |
| Waterford | $1,343 |
| Waterloo | $1,307 |
| Waterport | $1,242 |
| Watertown | $1,352 |
| Waterville | $1,354 |
| Watervliet | $1,320 |
| Watkins Glen | $1,268 |
| Waverly | $1,305 |
| Wawarsing | $1,422 |
| Wayland | $1,254 |
| Webster | $1,166 |
| Weedsport | $1,274 |
| Wellesley Island | $1,333 |
| Wells | $1,411 |
| Wells Bridge | $1,327 |
| Wellsburg | $1,271 |
| Wellsville | $1,259 |
| Wesley Hills | $1,599 |
| West Babylon | $3,176 |
| West Bay Shore | $3,233 |
| West Bloomfield | $1,185 |
| West Burlington | $1,327 |
| West Camp | $1,398 |
| West Carthage | $1,353 |
| West Chazy | $1,423 |
| West Clarksville | $1,292 |
| West Coxsackie | $1,396 |
| West Davenport | $1,360 |
| West Eaton | $1,266 |
| West Edmeston | $1,220 |
| West Elmira | $1,268 |
| West End | $1,320 |
| West Falls | $1,191 |
| West Fulton | $1,429 |
| West Glens Falls | $1,395 |
| West Harrison | $1,669 |
| West Haverstraw | $1,556 |
| West Hempstead | $2,535 |
| West Henrietta | $1,132 |
| West Hills | $2,713 |
| West Hurley | $1,430 |
| West Islip | $3,162 |
| West Kill | $1,457 |
| West Lebanon | $1,402 |
| West Leyden | $1,389 |
| West Monroe | $1,278 |
| West Nyack | $1,585 |
| West Oneonta | $1,292 |
| West Park | $1,429 |
| West Point | $1,418 |
| West Sand Lake | $1,367 |
| West Sayville | $3,270 |
| West Seneca | $1,204 |
| West Shokan | $1,423 |
| West Stockholm | $1,361 |
| West Valley | $1,283 |
| West Winfield | $1,338 |
| Westbrookville | $1,466 |
| Westbury | $2,442 |
| Westdale | $1,418 |
| Westerlo | $1,366 |
| Westernville | $1,405 |
| Westfield | $1,315 |
| Westford | $1,322 |
| Westhampton | $3,521 |
| Westhampton Beach | $3,525 |
| Westmere | $1,333 |
| Westmoreland | $1,392 |
| Weston Mills | $1,276 |
| Westport | $1,376 |
| Westtown | $1,415 |
| Westvale | $1,236 |
| Wevertown | $1,400 |
| Wheatley Heights | $2,921 |
| Whippleville | $1,510 |
| White Lake | $1,462 |
| White Plains | $1,676 |
| White Sulphur Springs | $1,438 |
| Whitehall | $1,412 |
| Whitesboro | $1,373 |
| Whitestone | $2,193 |
| Whitesville | $1,264 |
| Whitney Point | $1,275 |
| Willard | $1,304 |
| Willet | $1,282 |
| Williamson | $1,216 |
| Williamstown | $1,275 |
| Williamsville | $1,148 |
| Williston Park | $2,418 |
| Willow | $1,401 |
| Willsboro | $1,373 |
| Willseyville | $1,263 |
| Wilmington | $1,376 |
| Wilson | $1,193 |
| Windham | $1,414 |
| Windsor | $1,279 |
| Wingdale | $1,369 |
| Winthrop | $1,351 |
| Witherbee | $1,411 |
| Wolcott | $1,236 |
| Woodbourne | $1,451 |
| Woodbury | $2,443 |
| Woodgate | $1,371 |
| Woodhaven | $2,185 |
| Woodhull | $1,323 |
| Woodmere | $2,670 |
| Woodridge | $1,451 |
| Woodsburgh | $2,715 |
| Woodside | $2,066 |
| Woodstock | $1,398 |
| Worcester | $1,302 |
| Wurtsboro | $1,425 |
| Wyandanch | $3,156 |
| Wynantskill | $1,366 |
| Wyoming | $1,261 |
| Yaphank | $3,129 |
| Yonkers | $1,764 |
| Yorktown Heights | $1,591 |
| Yorkville | $1,376 |
| Youngstown | $1,201 |
| Youngsville | $1,437 |
| Yulan | $1,499 |
| Zena | $1,399 |
What New York homeowners are seeing now
The cost of New York homeowners insurance has gone up by 24% since 2020. Damaging storms and rising construction costs have increased insurance companies’ claims expenses. Insurance companies have been upping their rates to keep up with these growing costs.
Insurance companies are also being more selective about the homes they insure. Some companies are denying or dropping coverage for older homes and/or homes in areas with extreme wind and hail risks.
The potential for flooding and windstorms throughout the state makes it important to have the right protections for your home.
New York flood insurance
Standard home insurance does not cover flooding, but you can buy flood insurance to cover your home. Most flood insurance is purchased through the government-run National Flood Insurance Program (NFIP). A few companies offer private flood insurance as an alternative to NFIP policies.
Your lender will require you to get flood insurance for a mortgage in a high-risk flood zone. Flood insurance is often worth getting in other situations because flooding is such a widespread risk.
In New York, flood insurance costs an average of $1,222 a year, or $102 a month. It generally costs more in areas with higher flood risks and less in areas with lower risks.
Your current agent, or the ones you shop with, may be able to get you an NFIP quote. Companies like Neptune Flood and Wright Flood are good places to start for private flood quotes.
Insurance coverage for wind and hail
Standard homeowners insurance usually does cover wind and hail damage. In some areas, the deductible
Some companies offer wind deductibles as a percentage of your policy’s dwelling coverage. If you insure your home for $400,000, a 3% wind deductible adds up to $12,000. Deductibles for other perils, or risks, are often offered in flat dollar amounts, such as $1,000 or $2,000.
Some companies apply a hurricane deductible to wind-related damage from named storms. Hurricane deductibles are often also a percentage of your policy’s dwelling limit.
Did you know?
New York law requires home insurance discounts for hurricane-resistant windows, doors and shutters. If you’re upgrading your home, you can ask your insurance company about products that qualify for this discount.
Compare homeowners insurance companies in New York
Comparing quotes is an effective way to save money on homeowners insurance. Each company has a different system for rates. One company may be a lot cheaper for you than the others. Consider these tips as you shop:
- Pull up your current policy: Your current declarations page summarizes your current coverages, limits and deductibles. Sharing it with other insurance companies can help you get quotes faster.
- Bundle up: Most companies give you a generous discount for bundling your home and auto insurance. Get quotes for both policies at the same time to compare combined rates.
- Check the details: It’s normal for your homeowners coverage limits to vary slightly by company. However, each quote should accurately list information about you and your home.
- Compare apples to apples: The deductibles and coverage options in each quote should match up.
- Consider high deductibles: Higher deductibles lower your rate but require you to pay more out of your own pocket after a disaster. Getting quotes with multiple deductible options can help you find the right balance.
- Ask about discounts: Your quotes may already include some discounts, but you don’t want any to get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not required by law, but lenders require it for mortgages. Some homeowners associations (HOAs) also require it. It’s usually optional but highly recommended if you don’t have a loan or HOA requirement.
Shopping around is a good way to save money on homeowners insurance. Raising your deductible is another way to lower your rate. New York requires insurance companies to give you a discount for retrofitting your home with hurricane-resistant fixtures. Ask about other discounts when you shop.
A form of homeowners insurance known as HO-6 is available for condo and co-op units. Most condo policies are cheaper than standard home insurance and offer similar protections. Companies that insure single-family homes usually also offer condo and co-op insurance.
Methodology
How we chose the best homeowners insurance in New York
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every New York ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores show how well companies treat customers over things like claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.