New York
Home insurance overview — 1000 ZIP codes, 933 cities
Avg Premium (2025 Est.)
$2,161
+13.9% from 2022
Nonrenewal Rate
0.59%
5yr Storm Damage
$741.7M
New York Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| New Suffolk | 1 | $6,986 | 82 | Extreme |
| Mill Neck | 1 | $16,694 | 80 | High |
| Sagaponack | 1 | $26,780 | 78 | High |
| Peconic | 1 | $5,034 | 77 | High |
| Fishers Island | 1 | $17,267 | 77 | High |
| Moriches | 1 | $3,231 | 77 | High |
| Amenia | 1 | $3,609 | 74 | High |
| Bridgehampton | 1 | $21,101 | 71 | High |
| Brookville | 1 | $3,729 | 71 | High |
| Bedford Hills | 1 | $5,962 | 71 | High |
| Orient | 1 | $8,229 | 71 | High |
| Old Westbury | 1 | $12,677 | 69 | High |
| Atlantic Beach | 1 | $7,672 | 68 | High |
| Water Mill | 1 | $22,947 | 68 | High |
| Great River | 1 | $3,934 | 68 | High |
| Mount Vernon | 3 | $2,892 | 67 | High |
| Inwood | 1 | $2,789 | 67 | High |
| Cedarhurst | 1 | $4,553 | 67 | High |
| Mattituck | 1 | $4,598 | 66 | High |
| Greenport West | 1 | $4,288 | 66 | High |
| Heritage Hills | 4 | $2,609 | 66 | High |
| Glenwood Landing | 1 | $2,978 | 65 | High |
| East Marion | 1 | $4,614 | 65 | High |
| Westhampton | 2 | $9,315 | 65 | High |
| Mongaup Valley | 1 | $1,659 | 65 | High |
| Shelter Island Heights | 1 | $8,540 | 64 | High |
| Rhinecliff | 1 | $2,617 | 64 | High |
| Kings Point | 1 | $8,137 | 64 | High |
| Jamesport | 2 | $3,583 | 64 | High |
| New York | 155 | $4,782 | 64 | High |
| Noyack | 1 | $9,739 | 64 | High |
| Lawrence | 1 | $11,315 | 63 | High |
| Montauk | 1 | $7,680 | 63 | High |
| Wainscott | 1 | $17,061 | 63 | High |
| Remsenburg-Speonk | 2 | $6,028 | 63 | High |
| Amagansett | 1 | $12,344 | 63 | High |
| Point Lookout | 1 | $4,204 | 62 | High |
| Mamaroneck | 1 | $4,074 | 62 | High |
| Laurel | 1 | $4,361 | 62 | High |
| Yaphank | 1 | $2,577 | 62 | High |
| East Moriches | 1 | $3,740 | 62 | High |
| Oyster Bay Cove | 1 | $6,860 | 62 | High |
| North Sea | 1 | $14,510 | 62 | High |
| Great Neck Estates | 1 | $4,987 | 62 | High |
| Cutchogue | 1 | $5,746 | 62 | High |
| Eastchester | 1 | $2,732 | 62 | High |
| Cragsmoor | 1 | $2,268 | 62 | High |
| East Quogue | 1 | $5,485 | 61 | High |
| Mastic Beach | 1 | $2,235 | 61 | High |
| Westport | 1 | $1,880 | 61 | High |
| Blue Point | 1 | $3,108 | 61 | High |
| Airmont | 1 | $3,288 | 61 | High |
| Harrison | 3 | $5,943 | 60 | Elevated |
| Paul Smiths | 2 | $4,664 | 60 | Elevated |
| Hunter | 4 | $1,963 | 60 | Elevated |
| Sayville | 1 | $2,956 | 60 | Elevated |
| Center Moriches | 1 | $3,345 | 60 | Elevated |
| Tuxedo Park | 1 | $4,300 | 60 | Elevated |
| Fire Island | 1 | $4,137 | 60 | Elevated |
| Rhinebeck | 1 | $2,555 | 60 | Elevated |
| Lake George | 4 | $2,736 | 60 | Elevated |
| Northwest Harbor | 1 | $10,802 | 59 | Elevated |
| Bedford | 1 | $7,049 | 59 | Elevated |
| Long Beach | 1 | $3,717 | 59 | Elevated |
| Hastings-on-Hudson | 1 | $3,115 | 59 | Elevated |
| Lattingtown | 1 | $6,452 | 59 | Elevated |
| Southold | 1 | $4,672 | 59 | Elevated |
| Millerton | 1 | $2,748 | 59 | Elevated |
| West Hurley | 2 | $2,111 | 59 | Elevated |
| North Bellport | 1 | $3,719 | 59 | Elevated |
| Hampton Bays | 1 | $4,670 | 59 | Elevated |
| Millbrook | 2 | $4,204 | 59 | Elevated |
| Shelter Island | 1 | $8,696 | 59 | Elevated |
| Armonk | 1 | $6,375 | 59 | Elevated |
| Oakdale | 1 | $2,896 | 59 | Elevated |
| Great Neck | 1 | $4,255 | 59 | Elevated |
| Woodmere | 1 | $5,796 | 59 | Elevated |
| Bayport | 1 | $3,385 | 59 | Elevated |
| Lake Success | 1 | $4,133 | 59 | Elevated |
| Phoenicia | 2 | $2,159 | 59 | Elevated |
| White Plains | 4 | $2,991 | 58 | Elevated |
| Quogue | 1 | $13,698 | 58 | Elevated |
| Hewlett | 1 | $5,844 | 58 | Elevated |
| Old Brookville | 1 | $6,316 | 58 | Elevated |
| Rye | 1 | $7,397 | 58 | Elevated |
| Scotts Corners | 3 | $4,844 | 58 | Elevated |
| Pine Plains | 2 | $3,217 | 58 | Elevated |
| Millwood | 1 | $3,216 | 58 | Elevated |
| Woodstock | 4 | $2,529 | 58 | Elevated |
| Wassaic | 1 | $2,330 | 58 | Elevated |
| Antwerp | 1 | $1,651 | 57 | Elevated |
| Eastport | 1 | $3,762 | 57 | Elevated |
| Springfield Center | 2 | $1,657 | 57 | Elevated |
| Muttontown | 1 | $3,368 | 57 | Elevated |
| East Hills | 1 | $5,474 | 57 | Elevated |
| Tivoli | 1 | $2,714 | 57 | Elevated |
| Irvington | 1 | $4,526 | 57 | Elevated |
| Barnum Island | 1 | $2,933 | 57 | Elevated |
| Rye Brook | 1 | $2,889 | 57 | Elevated |
| Hannawa Falls | 1 | $1,509 | 57 | Elevated |
| Brookhaven | 1 | $3,711 | 57 | Elevated |
| East Islip | 1 | $2,876 | 57 | Elevated |
| Hurleyville | 1 | $1,639 | 57 | Elevated |
| Brightwaters | 1 | $3,453 | 57 | Elevated |
| Mount Kisco | 1 | $4,408 | 57 | Elevated |
| Glen Cove | 1 | $3,103 | 56 | Elevated |
| New Rochelle | 3 | $3,409 | 56 | Elevated |
| Yonkers | 7 | $2,804 | 56 | Elevated |
| Morristown | 1 | $1,208 | 56 | Elevated |
| Margaretville | 2 | $1,828 | 56 | Elevated |
| Port Jefferson | 1 | $3,841 | 56 | Elevated |
| West Sayville | 1 | $2,667 | 56 | Elevated |
| Haines Falls | 2 | $2,025 | 56 | Elevated |
| Bolton Landing | 4 | $1,921 | 56 | Elevated |
| Thornwood | 1 | $2,480 | 56 | Elevated |
| Pelham Manor | 1 | $4,370 | 56 | Elevated |
| Monticello | 2 | $2,128 | 56 | Elevated |
| Melville | 1 | $3,716 | 55 | Elevated |
| Dobbs Ferry | 1 | $2,932 | 55 | Elevated |
| Lake Huntington | 1 | $1,981 | 55 | Elevated |
| Tannersville | 2 | $2,556 | 55 | Elevated |
| East Setauket | 1 | $3,721 | 55 | Elevated |
| Salem | 2 | $1,643 | 55 | Elevated |
| Larchmont | 1 | $5,242 | 55 | Elevated |
| Unionville | 3 | $1,801 | 55 | Elevated |
| Shirley | 1 | $2,350 | 55 | Elevated |
| Jefferson Valley-Yorktown | 4 | $2,537 | 55 | Elevated |
| East Rockaway | 1 | $3,261 | 55 | Elevated |
| Chappaqua | 1 | $5,146 | 55 | Elevated |
| West Kill | 2 | $2,116 | 55 | Elevated |
| Islandia | 1 | $2,539 | 55 | Elevated |
| Scarsdale | 1 | $4,995 | 54 | Elevated |
| Sands Point | 1 | $4,550 | 54 | Elevated |
| Jericho | 1 | $3,518 | 54 | Elevated |
| Chatham | 4 | $3,213 | 54 | Elevated |
| Hempstead | 1 | $2,336 | 54 | Elevated |
| Briarcliff Manor | 1 | $3,889 | 54 | Elevated |
| Willsboro Point | 2 | $1,713 | 54 | Elevated |
| Tarrytown | 1 | $2,886 | 54 | Elevated |
| Mastic | 1 | $2,266 | 54 | Elevated |
| Wyandanch | 1 | $2,456 | 54 | Elevated |
| Piermont | 1 | $2,428 | 54 | Elevated |
| Roosevelt | 1 | $2,341 | 54 | Elevated |
| Pine Hill | 5 | $1,728 | 54 | Elevated |
| Peach Lake | 3 | $4,956 | 54 | Elevated |
| Roslyn Heights | 1 | $3,750 | 54 | Elevated |
| Golden's Bridge | 2 | $3,642 | 54 | Elevated |
| Albertson | 1 | $2,685 | 54 | Elevated |
| Freeport | 1 | $2,770 | 54 | Elevated |
| Lake Placid | 3 | $2,563 | 53 | Elevated |
| Chestnut Ridge | 1 | $2,185 | 53 | Elevated |
| Hortonville | 2 | $1,759 | 53 | Elevated |
| Sea Cliff | 1 | $3,565 | 53 | Elevated |
| Barneveld | 1 | $1,535 | 53 | Elevated |
| Preston-Potter Hollow | 3 | $1,738 | 53 | Elevated |
| Salt Point | 2 | $2,383 | 53 | Elevated |
| East Patchogue | 1 | $2,570 | 53 | Elevated |
| Gilgo | 1 | $3,138 | 53 | Elevated |
| Roscoe | 2 | $1,797 | 53 | Elevated |
| Hartsdale | 1 | $2,495 | 53 | Elevated |
| Ardsley | 1 | $2,777 | 53 | Elevated |
| Swan Lake | 2 | $1,655 | 53 | Elevated |
| Bohemia | 1 | $2,561 | 53 | Elevated |
| Loch Sheldrake | 1 | $1,853 | 53 | Elevated |
| Bayville | 1 | $2,779 | 53 | Elevated |
| Lake Mohegan | 2 | $2,002 | 52 | Elevated |
| Cold Spring Harbor | 1 | $6,610 | 52 | Elevated |
| Copake Lake | 5 | $2,686 | 52 | Elevated |
| Eldred | 2 | $1,701 | 52 | Elevated |
| Firthcliffe | 2 | $1,964 | 52 | Elevated |
| Amityville | 1 | $2,752 | 52 | Elevated |
| Woodbury | 4 | $2,695 | 52 | Elevated |
| Uniondale | 1 | $2,288 | 52 | Elevated |
| Rifton | 2 | $1,590 | 52 | Elevated |
| Long Lake | 3 | $1,814 | 52 | Elevated |
| Islip | 1 | $2,778 | 52 | Elevated |
| East Shoreham | 1 | $3,167 | 52 | Elevated |
| Elmsford | 1 | $1,997 | 52 | Elevated |
| Croton-on-Hudson | 1 | $2,561 | 52 | Elevated |
| Barryville | 4 | $1,742 | 52 | Elevated |
| Valhalla | 1 | $2,273 | 52 | Elevated |
| Glasco | 1 | $1,327 | 52 | Elevated |
| Verplanck | 1 | $1,769 | 52 | Elevated |
| Castorland | 1 | $1,268 | 52 | Elevated |
| Syosset | 1 | $4,038 | 51 | Elevated |
| Upper Nyack | 1 | $2,532 | 51 | Elevated |
| Miller Place | 1 | $3,029 | 51 | Elevated |
| Lake Grove | 1 | $2,667 | 51 | Elevated |
| Greenlawn | 1 | $2,943 | 51 | Elevated |
| Mount Sinai | 1 | $3,185 | 51 | Elevated |
| Aquebogue | 1 | $3,134 | 51 | Elevated |
| Saranac Lake | 3 | $2,002 | 51 | Elevated |
| Mountain Dale | 2 | $1,522 | 51 | Elevated |
| Fort Salonga | 1 | $3,624 | 51 | Elevated |
| Pleasantville | 1 | $2,968 | 51 | Elevated |
| Calverton | 1 | $2,672 | 51 | Elevated |
| Avoca | 1 | $1,078 | 51 | Elevated |
| Davenport Center | 2 | $1,256 | 51 | Elevated |
| Copake Falls | 1 | $2,066 | 51 | Elevated |
| Manhasset | 1 | $5,402 | 51 | Elevated |
| Rockville Centre | 1 | $3,518 | 51 | Elevated |
| Baldwin | 1 | $2,689 | 51 | Elevated |
| Washingtonville | 2 | $1,889 | 51 | Elevated |
| Fort Montgomery | 2 | $1,975 | 51 | Elevated |
| Hawthorne | 1 | $2,096 | 50 | Elevated |
| Chadwicks | 1 | $1,160 | 50 | Elevated |
| White Lake | 4 | $1,899 | 50 | Elevated |
| Hermon | 1 | $1,168 | 50 | Elevated |
| Oceanside | 1 | $2,943 | 50 | Elevated |
| Kings Park | 1 | $2,693 | 50 | Elevated |
| Garden City | 1 | $3,718 | 50 | Elevated |
| Westernville | 1 | $1,362 | 50 | Elevated |
| Old Bethpage | 1 | $2,753 | 50 | Elevated |
| Fairview | 1 | $2,199 | 50 | Elevated |
| South Fallsburg | 1 | $1,615 | 50 | Elevated |
| Riverhead | 1 | $2,666 | 50 | Elevated |
| Thousand Island Park | 1 | $1,851 | 50 | Elevated |
| St. James | 1 | $3,587 | 50 | Elevated |
| Mahopac | 2 | $2,390 | 50 | Elevated |
| Windham | 1 | $2,548 | 50 | Elevated |
| Natural Bridge | 1 | $1,220 | 50 | Elevated |
| Smyrna | 3 | $1,345 | 50 | Elevated |
| Manorville | 1 | $2,794 | 50 | Elevated |
| Tappan | 2 | $2,943 | 50 | Elevated |
| Ossining | 1 | $2,166 | 50 | Elevated |
| Shokan | 5 | $2,069 | 50 | Elevated |
| Middle Island | 1 | $2,323 | 50 | Elevated |
| Hunt | 2 | $1,237 | 49 | Elevated |
| Franklin | 1 | $1,484 | 49 | Elevated |
| Claverack-Red Mills | 1 | $2,165 | 49 | Elevated |
| Wading River | 1 | $2,957 | 49 | Elevated |
| Bridgewater | 1 | $1,310 | 49 | Elevated |
| Valley Stream | 2 | $2,605 | 49 | Elevated |
| Lloyd Harbor | 1 | $3,863 | 49 | Elevated |
| Montebello | 1 | $2,491 | 49 | Elevated |
| Whitehall | 2 | $1,346 | 49 | Elevated |
| Clintondale | 2 | $1,576 | 49 | Elevated |
| Kauneonga Lake | 1 | $1,728 | 49 | Elevated |
| Buchanan | 1 | $1,763 | 49 | Elevated |
| Adams | 1 | $1,301 | 49 | Elevated |
| Dix Hills | 1 | $3,124 | 49 | Elevated |
| Peekskill | 2 | $2,835 | 49 | Elevated |
| North Great River | 1 | $2,414 | 49 | Elevated |
| Lynbrook | 1 | $2,658 | 49 | Elevated |
| Chautauqua | 2 | $2,133 | 49 | Elevated |
| Bloomville | 2 | $1,588 | 49 | Elevated |
| Jeffersonville | 3 | $1,794 | 49 | Elevated |
| Haviland | 2 | $1,974 | 49 | Elevated |
| Rensselaer Falls | 1 | $1,084 | 48 | Elevated |
| North Bay | 1 | $1,533 | 48 | Elevated |
| Hobart | 3 | $1,510 | 48 | Elevated |
| Scotchtown | 2 | $1,660 | 48 | Elevated |
| Fleischmanns | 3 | $1,667 | 48 | Elevated |
| Dover Plains | 1 | $2,152 | 48 | Elevated |
| Hauppauge | 1 | $2,762 | 48 | Elevated |
| Rocky Point | 1 | $2,339 | 48 | Elevated |
| Woodridge | 1 | $1,770 | 48 | Elevated |
| Waterville | 1 | $1,241 | 48 | Elevated |
| Fly Creek | 1 | $2,271 | 48 | Elevated |
| Copiague | 1 | $2,390 | 48 | Elevated |
| Bay Shore | 1 | $2,570 | 48 | Elevated |
| Elmont | 1 | $2,190 | 48 | Elevated |
| Terryville | 1 | $2,520 | 48 | Elevated |
| Morris | 1 | $1,346 | 48 | Elevated |
| Stony Brook | 1 | $2,981 | 48 | Elevated |
| Centerport | 1 | $3,250 | 48 | Elevated |
| Coram | 1 | $2,372 | 48 | Elevated |
| Seaford | 1 | $2,572 | 48 | Elevated |
| Nesconset | 1 | $2,707 | 48 | Elevated |
| Fort Ann | 2 | $1,605 | 48 | Elevated |
| Malverne | 1 | $2,544 | 47 | Elevated |
| Tupper Lake | 1 | $1,692 | 47 | Elevated |
| Carle Place | 1 | $2,201 | 47 | Elevated |
| Granville | 3 | $1,335 | 47 | Elevated |
| West Hempstead | 1 | $2,538 | 47 | Elevated |
| Merrick | 1 | $3,060 | 47 | Elevated |
| Hartwick Seminary | 1 | $1,871 | 47 | Elevated |
| Pottersville | 2 | $1,373 | 47 | Elevated |
| Old Forge | 1 | $1,773 | 47 | Elevated |
| Cape Vincent | 1 | $1,201 | 47 | Elevated |
| Woodbourne | 2 | $1,589 | 47 | Elevated |
| Mineville | 1 | $1,233 | 47 | Elevated |
| Star Lake | 2 | $1,155 | 47 | Elevated |
| East Nassau | 4 | $2,160 | 47 | Elevated |
| Winthrop | 2 | $1,166 | 47 | Elevated |
| Medford | 1 | $2,375 | 47 | Elevated |
| Massapequa | 1 | $2,738 | 47 | Elevated |
| Beaver Dam Lake | 1 | $1,758 | 47 | Elevated |
| Turin | 1 | $1,493 | 47 | Elevated |
| Burke | 1 | $1,415 | 47 | Elevated |
| Fallsburg | 1 | $1,561 | 47 | Elevated |
| Williston Park | 1 | $2,617 | 47 | Elevated |
| Cambridge | 1 | $1,435 | 47 | Elevated |
| Menands | 1 | $1,677 | 47 | Elevated |
| South Dayton | 2 | $1,170 | 47 | Elevated |
| DeRuyter | 5 | $1,236 | 46 | Elevated |
| Sparrow Bush | 2 | $1,425 | 46 | Elevated |
| Pawling | 1 | $2,657 | 46 | Elevated |
| Earlville | 1 | $1,280 | 46 | Elevated |
| Holtsville | 1 | $2,458 | 46 | Elevated |
| Eagle Bay | 1 | $1,537 | 46 | Elevated |
| Haverstraw | 1 | $1,721 | 46 | Elevated |
| North Babylon | 1 | $2,345 | 46 | Elevated |
| Commack | 1 | $2,701 | 46 | Elevated |
| East Durham | 3 | $1,512 | 46 | Elevated |
| Palenville | 1 | $1,426 | 46 | Elevated |
| Madrid | 2 | $1,154 | 46 | Elevated |
| Nelsonville | 1 | $2,609 | 46 | Elevated |
| Andes | 1 | $1,649 | 46 | Elevated |
| Central Islip | 1 | $2,148 | 46 | Elevated |
| North Bellmore | 1 | $2,675 | 46 | Elevated |
| Smithtown | 1 | $2,828 | 46 | Elevated |
| High Falls | 1 | $1,976 | 46 | Elevated |
| Freedom Plains | 2 | $2,043 | 46 | Elevated |
| Wantagh | 1 | $2,605 | 46 | Elevated |
| Smallwood | 1 | $1,269 | 46 | Elevated |
| Deer Park | 1 | $2,340 | 45 | Elevated |
| Speculator | 5 | $1,523 | 45 | Elevated |
| Liberty | 3 | $1,530 | 45 | Elevated |
| Naples | 1 | $1,738 | 45 | Elevated |
| Great Bend | 1 | $1,273 | 45 | Elevated |
| West Islip | 1 | $2,682 | 45 | Elevated |
| Greenwich | 1 | $1,345 | 45 | Elevated |
| Selden | 1 | $2,287 | 45 | Elevated |
| St. Regis Falls | 1 | $1,515 | 45 | Elevated |
| Crompond | 1 | $2,042 | 45 | Elevated |
| Ridge | 1 | $2,115 | 45 | Elevated |
| Westbury | 1 | $2,345 | 45 | Elevated |
| Sloatsburg | 1 | $2,088 | 45 | Elevated |
| Plainview | 1 | $2,677 | 45 | Elevated |
| Ronkonkoma | 1 | $2,318 | 45 | Elevated |
| Centereach | 1 | $2,400 | 45 | Elevated |
| Gardiner | 1 | $1,944 | 45 | Elevated |
| Massapequa Park | 1 | $2,502 | 45 | Elevated |
| Kiamesha Lake | 1 | $1,152 | 45 | Elevated |
| Parishville | 1 | $1,075 | 45 | Elevated |
| Lyon Mountain | 5 | $1,291 | 45 | Elevated |
| Holbrook | 1 | $2,520 | 45 | Elevated |
| Ghent | 1 | $2,298 | 45 | Elevated |
| Floral Park | 1 | $2,360 | 45 | Elevated |
| Red Creek | 1 | $1,172 | 44 | Elevated |
| Lindenhurst | 1 | $2,396 | 44 | Elevated |
| Schroon Lake | 3 | $1,371 | 44 | Elevated |
| Savona | 1 | $932 | 44 | Elevated |
| Chaumont | 1 | $1,188 | 44 | Elevated |
| Narrowsburg | 1 | $1,761 | 44 | Elevated |
| Burlington Flats | 1 | $1,290 | 44 | Elevated |
| Stone Ridge | 1 | $2,066 | 44 | Elevated |
| West Babylon | 1 | $2,326 | 44 | Elevated |
| Wells | 1 | $1,085 | 44 | Elevated |
| Montrose | 1 | $1,819 | 44 | Elevated |
| Farmingville | 1 | $2,450 | 44 | Elevated |
| Downsville | 4 | $1,350 | 44 | Elevated |
| Port Leyden | 2 | $1,179 | 44 | Elevated |
| Ticonderoga | 3 | $1,470 | 44 | Elevated |
| Pomona | 1 | $2,263 | 44 | Elevated |
| Grahamsville | 2 | $1,752 | 44 | Elevated |
| Staatsburg | 1 | $2,142 | 44 | Elevated |
| Campbell | 1 | $1,017 | 44 | Elevated |
| Norfolk | 2 | $1,123 | 44 | Elevated |
| Altmar | 2 | $1,100 | 44 | Elevated |
| Redwood | 1 | $1,217 | 44 | Elevated |
| North Creek | 4 | $1,463 | 44 | Elevated |
| East Northport | 1 | $2,658 | 44 | Elevated |
| Sound Beach | 1 | $2,218 | 44 | Elevated |
| Bethpage | 1 | $2,217 | 44 | Elevated |
| Goshen | 2 | $1,808 | 44 | Elevated |
| East Meadow | 1 | $2,326 | 44 | Elevated |
| Hartwick | 1 | $1,359 | 44 | Elevated |
| Cornwall-on-Hudson | 1 | $1,834 | 44 | Elevated |
| Brentwood | 1 | $2,156 | 43 | Elevated |
| Copenhagen | 1 | $1,305 | 43 | Elevated |
| Henderson | 2 | $1,494 | 43 | Elevated |
| Rock Hill | 1 | $1,733 | 43 | Elevated |
| Au Sable Forks | 3 | $1,429 | 43 | Elevated |
| Newport | 1 | $1,287 | 43 | Elevated |
| Laurens | 1 | $1,178 | 43 | Elevated |
| Rosendale | 2 | $1,616 | 43 | Elevated |
| Westmoreland | 1 | $1,139 | 43 | Elevated |
| Fishers Landing | 1 | $2,093 | 43 | Elevated |
| Prattsville | 3 | $1,702 | 43 | Elevated |
| Ovid | 1 | $1,306 | 43 | Elevated |
| Livingston Manor | 1 | $1,824 | 43 | Elevated |
| Wilmington | 3 | $1,554 | 43 | Elevated |
| Yorkville | 1 | $1,047 | 43 | Elevated |
| Orangeburg | 2 | $1,940 | 43 | Elevated |
| North New Hyde Park | 1 | $2,212 | 43 | Elevated |
| Hicksville | 1 | $2,126 | 43 | Elevated |
| Rushville | 2 | $1,321 | 43 | Elevated |
| Averill Park | 6 | $1,433 | 43 | Elevated |
| Port Jervis | 1 | $1,516 | 43 | Elevated |
| Maybrook | 2 | $1,600 | 43 | Elevated |
| Stamford | 3 | $1,335 | 43 | Elevated |
| Franklin Square | 1 | $2,183 | 43 | Elevated |
| New Berlin | 1 | $1,322 | 42 | Elevated |
| Warwick | 1 | $2,025 | 42 | Elevated |
| Accord | 1 | $1,993 | 42 | Elevated |
| East Farmingdale | 1 | $2,293 | 42 | Elevated |
| Smithville Flats | 3 | $1,057 | 42 | Elevated |
| Tillson | 1 | $1,394 | 42 | Elevated |
| Rodman | 1 | $1,313 | 42 | Elevated |
| Marathon | 1 | $1,150 | 42 | Elevated |
| Lyons Falls | 3 | $1,232 | 42 | Elevated |
| Yorkshire | 3 | $1,017 | 42 | Elevated |
| Lodi | 2 | $1,227 | 42 | Elevated |
| South Blooming Grove | 1 | $1,754 | 42 | Elevated |
| Clayton | 1 | $1,287 | 42 | Elevated |
| Mannsville | 1 | $1,262 | 42 | Elevated |
| Limestone | 1 | $974 | 42 | Elevated |
| Sylvan Beach | 2 | $993 | 42 | Elevated |
| Millport | 1 | $1,093 | 42 | Elevated |
| Sidney | 2 | $1,088 | 42 | Elevated |
| Cohocton | 1 | $1,064 | 42 | Elevated |
| Mineola | 1 | $2,166 | 42 | Elevated |
| Valley Cottage | 1 | $1,882 | 42 | Elevated |
| Philadelphia | 1 | $1,249 | 42 | Elevated |
| Addison | 3 | $1,032 | 42 | Elevated |
| Glen Aubrey | 2 | $1,042 | 42 | Elevated |
| Port Henry | 2 | $1,262 | 42 | Elevated |
| Florida | 1 | $1,595 | 42 | Elevated |
| Levittown | 1 | $2,051 | 41 | Elevated |
| Heuvelton | 1 | $1,147 | 41 | Elevated |
| Wampsville | 1 | $929 | 41 | Elevated |
| West Nyack | 1 | $2,181 | 41 | Elevated |
| Otisville | 2 | $1,535 | 41 | Elevated |
| New Baltimore | 5 | $1,425 | 41 | Elevated |
| Middletown | 3 | $1,589 | 41 | Elevated |
| Ruby | 2 | $1,171 | 41 | Elevated |
| Orange Lake | 2 | $1,630 | 41 | Elevated |
| Hornell | 1 | $958 | 41 | Elevated |
| Walton | 2 | $1,266 | 41 | Elevated |
| Brasher Falls | 1 | $1,163 | 41 | Elevated |
| Lisle | 1 | $977 | 41 | Elevated |
| Lorraine | 2 | $1,080 | 41 | Elevated |
| Napanoch | 2 | $1,325 | 41 | Elevated |
| Sandy Creek | 1 | $1,075 | 41 | Elevated |
| Alexandria Bay | 1 | $1,297 | 41 | Elevated |
| Lacona | 2 | $1,087 | 41 | Elevated |
| West Point | 1 | $1,397 | 41 | Elevated |
| Coxsackie | 2 | $1,341 | 41 | Elevated |
| Thiells | 1 | $1,698 | 41 | Elevated |
| Putnam Lake | 1 | $1,986 | 41 | Elevated |
| New York Mills | 1 | $1,093 | 40 | Moderate |
| Chester | 1 | $1,829 | 40 | Moderate |
| North Rose | 1 | $1,080 | 40 | Moderate |
| Mooers | 2 | $1,129 | 40 | Moderate |
| Deposit | 1 | $1,336 | 40 | Moderate |
| Middleville | 1 | $1,172 | 40 | Moderate |
| Hadley | 3 | $1,207 | 40 | Moderate |
| Parish | 1 | $1,253 | 40 | Moderate |
| Norwood | 1 | $1,200 | 40 | Moderate |
| Black River | 1 | $1,304 | 40 | Moderate |
| Ellicottville | 2 | $1,488 | 40 | Moderate |
| DeKalb Junction | 1 | $1,165 | 40 | Moderate |
| Hillburn | 1 | $1,580 | 40 | Moderate |
| Gilbertsville | 2 | $1,350 | 40 | Moderate |
| Brushton | 4 | $1,179 | 40 | Moderate |
| New City | 1 | $2,200 | 40 | Moderate |
| Buffalo | 16 | $1,464 | 40 | Moderate |
| Fort Covington | 2 | $1,230 | 40 | Moderate |
| Cato | 2 | $1,132 | 40 | Moderate |
| Olcott | 3 | $1,027 | 40 | Moderate |
| Victory | 1 | $1,126 | 40 | Moderate |
| Hamilton | 2 | $1,341 | 40 | Moderate |
| Kinderhook | 2 | $1,881 | 39 | Moderate |
| Poland | 1 | $1,321 | 39 | Moderate |
| Aurora | 3 | $1,256 | 39 | Moderate |
| Germantown | 1 | $2,267 | 39 | Moderate |
| Hammond | 1 | $1,082 | 39 | Moderate |
| Edmeston | 2 | $1,128 | 39 | Moderate |
| Voorheesville | 3 | $1,326 | 39 | Moderate |
| Westmere | 4 | $1,431 | 39 | Moderate |
| Nichols | 2 | $1,112 | 39 | Moderate |
| Keuka Park | 3 | $1,212 | 39 | Moderate |
| Interlaken | 1 | $1,353 | 39 | Moderate |
| Ellenville | 1 | $1,572 | 39 | Moderate |
| Pike | 1 | $1,056 | 39 | Moderate |
| Hagaman | 1 | $1,293 | 39 | Moderate |
| Cranberry Lake | 1 | $1,174 | 39 | Moderate |
| Ripley | 2 | $1,222 | 39 | Moderate |
| Colton | 2 | $1,089 | 39 | Moderate |
| Whitney Point | 1 | $1,081 | 39 | Moderate |
| Redford | 1 | $1,275 | 39 | Moderate |
| Philmont | 1 | $1,506 | 39 | Moderate |
| Niverville | 3 | $1,762 | 39 | Moderate |
| Green Island | 1 | $1,306 | 39 | Moderate |
| Rushford | 3 | $981 | 39 | Moderate |
| Remsen | 1 | $1,204 | 39 | Moderate |
| Lake Delta | 3 | $1,215 | 39 | Moderate |
| Houghton | 2 | $1,078 | 38 | Moderate |
| Thendara | 1 | $1,274 | 38 | Moderate |
| Holland Patent | 1 | $1,282 | 38 | Moderate |
| Wingdale | 1 | $1,631 | 38 | Moderate |
| Potsdam | 1 | $1,317 | 38 | Moderate |
| Clyde | 1 | $1,175 | 38 | Moderate |
| Middleburgh | 2 | $1,317 | 38 | Moderate |
| Theresa | 1 | $1,222 | 38 | Moderate |
| Vernon | 2 | $1,188 | 38 | Moderate |
| Alfred | 2 | $1,076 | 38 | Moderate |
| Blauvelt | 1 | $2,058 | 38 | Moderate |
| Shorehaven | 2 | $1,919 | 38 | Moderate |
| East Greenbush | 2 | $1,401 | 38 | Moderate |
| Clayville | 2 | $1,166 | 38 | Moderate |
| Fredonia | 1 | $1,083 | 38 | Moderate |
| Montour Falls | 1 | $1,042 | 38 | Moderate |
| Moravia | 1 | $1,129 | 38 | Moderate |
| Chestertown | 1 | $1,405 | 38 | Moderate |
| Elizabethtown | 2 | $1,189 | 38 | Moderate |
| West Haverstraw | 2 | $1,468 | 38 | Moderate |
| Westfield | 1 | $1,171 | 38 | Moderate |
| Pleasant Valley | 1 | $1,812 | 38 | Moderate |
| Kerhonkson | 1 | $1,690 | 38 | Moderate |
| Oriskany | 1 | $1,101 | 38 | Moderate |
| Worcester | 1 | $1,039 | 38 | Moderate |
| Durhamville | 1 | $1,239 | 38 | Moderate |
| Greenwood Lake | 1 | $1,500 | 38 | Moderate |
| Sodus | 1 | $1,126 | 37 | Moderate |
| Sherman | 1 | $1,080 | 37 | Moderate |
| Chenango Bridge | 3 | $1,072 | 37 | Moderate |
| Madison | 1 | $935 | 37 | Moderate |
| Canajoharie | 2 | $1,307 | 37 | Moderate |
| Ellisburg | 1 | $1,017 | 37 | Moderate |
| Wayland | 1 | $1,114 | 37 | Moderate |
| Carmel | 1 | $2,009 | 37 | Moderate |
| Red Hook | 2 | $1,748 | 37 | Moderate |
| Poughkeepsie | 1 | $1,531 | 37 | Moderate |
| Candor | 2 | $1,077 | 37 | Moderate |
| Shrub Oak | 3 | $1,854 | 37 | Moderate |
| Port Ewen | 4 | $1,364 | 37 | Moderate |
| Brocton | 3 | $993 | 37 | Moderate |
| Scio | 1 | $936 | 37 | Moderate |
| Gang Mills | 2 | $1,121 | 37 | Moderate |
| Warrensburg | 1 | $1,248 | 37 | Moderate |
| Montgomery | 1 | $1,635 | 37 | Moderate |
| Schuyler Lake | 1 | $1,207 | 37 | Moderate |
| Mount Vision | 1 | $1,176 | 37 | Moderate |
| Erin | 2 | $1,080 | 37 | Moderate |
| Leeds | 2 | $1,446 | 37 | Moderate |
| Argyle | 1 | $1,247 | 37 | Moderate |
| Hoosick Falls | 4 | $1,343 | 37 | Moderate |
| Guilford | 2 | $1,221 | 37 | Moderate |
| Pittsford | 2 | $1,389 | 37 | Moderate |
| Arcade | 3 | $1,073 | 37 | Moderate |
| Portville | 1 | $932 | 37 | Moderate |
| Savannah | 1 | $1,131 | 36 | Moderate |
| Nassau Lake | 1 | $1,344 | 36 | Moderate |
| Walden | 1 | $1,446 | 36 | Moderate |
| Waddington | 1 | $1,180 | 36 | Moderate |
| Albany | 7 | $1,340 | 36 | Moderate |
| Wurtsboro | 2 | $1,456 | 36 | Moderate |
| Malone | 1 | $1,203 | 36 | Moderate |
| Bloomingburg | 1 | $1,554 | 36 | Moderate |
| Van Etten | 1 | $1,103 | 36 | Moderate |
| Nedrow | 1 | $1,031 | 36 | Moderate |
| Hammondsport | 1 | $1,165 | 36 | Moderate |
| Forestville | 1 | $1,109 | 36 | Moderate |
| Oxford | 1 | $1,167 | 36 | Moderate |
| Celoron | 1 | $869 | 36 | Moderate |
| Palatine Bridge | 1 | $1,236 | 36 | Moderate |
| Schenevus | 1 | $1,221 | 36 | Moderate |
| Lakeville | 1 | $1,053 | 36 | Moderate |
| Akwesasne | 3 | $1,184 | 36 | Moderate |
| Camden | 1 | $1,198 | 36 | Moderate |
| Caroga Lake | 1 | $1,094 | 36 | Moderate |
| South Lansing | 2 | $1,230 | 36 | Moderate |
| Chazy | 1 | $1,238 | 36 | Moderate |
| Unadilla | 1 | $1,148 | 36 | Moderate |
| Depauville | 1 | $1,243 | 36 | Moderate |
| Groveland Station | 1 | $1,061 | 36 | Moderate |
| Cazenovia | 1 | $1,704 | 36 | Moderate |
| New Paltz | 1 | $1,792 | 36 | Moderate |
| Round Top | 1 | $1,358 | 36 | Moderate |
| Salisbury Center | 2 | $1,134 | 36 | Moderate |
| Salamanca | 1 | $1,014 | 36 | Moderate |
| Cairo | 5 | $1,386 | 36 | Moderate |
| Dexter | 1 | $1,172 | 35 | Moderate |
| Afton | 3 | $1,161 | 35 | Moderate |
| Delhi | 1 | $1,382 | 35 | Moderate |
| Fort Edward | 1 | $1,057 | 35 | Moderate |
| Mohawk | 1 | $1,055 | 35 | Moderate |
| Fabius | 1 | $1,280 | 35 | Moderate |
| Greene | 1 | $1,119 | 35 | Moderate |
| Constantia | 3 | $1,191 | 35 | Moderate |
| Brownville | 1 | $1,143 | 35 | Moderate |
| Prattsburgh | 1 | $998 | 35 | Moderate |
| Schenectady | 4 | $1,355 | 35 | Moderate |
| Milford | 1 | $1,244 | 35 | Moderate |
| Strykersville | 2 | $1,144 | 35 | Moderate |
| Oriskany Falls | 2 | $1,216 | 35 | Moderate |
| Unadilla Forks | 1 | $1,185 | 35 | Moderate |
| Fort Johnson | 1 | $1,343 | 35 | Moderate |
| Dalton | 2 | $908 | 35 | Moderate |
| Arkport | 1 | $944 | 35 | Moderate |
| Cherry Valley | 1 | $1,294 | 35 | Moderate |
| Cold Brook | 1 | $1,131 | 35 | Moderate |
| Medina | 1 | $1,091 | 35 | Moderate |
| Stottville | 1 | $1,734 | 35 | Moderate |
| Dunkirk | 1 | $946 | 35 | Moderate |
| Three Mile Bay | 1 | $1,010 | 35 | Moderate |
| Rouses Point | 1 | $1,148 | 35 | Moderate |
| Stony Point | 1 | $1,791 | 35 | Moderate |
| Wilson | 1 | $1,153 | 34 | Moderate |
| Keeseville | 1 | $1,323 | 34 | Moderate |
| Richmondville | 3 | $1,215 | 34 | Moderate |
| Lake Erie Beach | 2 | $976 | 34 | Moderate |
| Albion | 2 | $1,077 | 34 | Moderate |
| Central Bridge | 3 | $1,234 | 34 | Moderate |
| Boonville | 1 | $1,179 | 34 | Moderate |
| Congers | 1 | $1,686 | 34 | Moderate |
| Clark Mills | 1 | $955 | 34 | Moderate |
| Plattsburgh | 3 | $1,133 | 34 | Moderate |
| Pavilion | 1 | $1,162 | 34 | Moderate |
| Altona | 1 | $1,058 | 34 | Moderate |
| Newark Valley | 3 | $1,135 | 34 | Moderate |
| Constableville | 2 | $1,229 | 34 | Moderate |
| Attica | 2 | $1,084 | 34 | Moderate |
| Homer | 2 | $1,138 | 34 | Moderate |
| Lake Luzerne | 1 | $1,283 | 34 | Moderate |
| Valley Falls | 2 | $1,303 | 34 | Moderate |
| Calcium | 2 | $1,128 | 34 | Moderate |
| Sharon Springs | 1 | $1,407 | 34 | Moderate |
| Hancock | 1 | $1,354 | 34 | Moderate |
| Groton | 2 | $1,110 | 34 | Moderate |
| Milton | 3 | $1,364 | 34 | Moderate |
| Cherry Creek | 1 | $1,038 | 34 | Moderate |
| Holland | 3 | $1,155 | 34 | Moderate |
| Nanuet | 1 | $1,749 | 34 | Moderate |
| Ravena | 3 | $1,227 | 34 | Moderate |
| Lime Lake | 1 | $968 | 33 | Moderate |
| Breesport | 1 | $1,018 | 33 | Moderate |
| Belmont | 1 | $1,157 | 33 | Moderate |
| Morrisonville | 1 | $1,184 | 33 | Moderate |
| Canisteo | 1 | $870 | 33 | Moderate |
| Skaneateles | 2 | $1,529 | 33 | Moderate |
| Odessa | 2 | $1,023 | 33 | Moderate |
| Dundee | 2 | $1,240 | 33 | Moderate |
| Saratoga Springs | 3 | $1,483 | 33 | Moderate |
| Bath | 1 | $946 | 33 | Moderate |
| Port Byron | 1 | $1,000 | 33 | Moderate |
| Canton | 1 | $1,232 | 33 | Moderate |
| Hopewell Junction | 1 | $1,804 | 33 | Moderate |
| Sackets Harbor | 1 | $1,215 | 33 | Moderate |
| Bainbridge | 1 | $1,097 | 33 | Moderate |
| Utica | 2 | $1,106 | 33 | Moderate |
| Stittville | 1 | $1,073 | 33 | Moderate |
| Pearl River | 1 | $1,691 | 33 | Moderate |
| Waverly | 3 | $1,140 | 33 | Moderate |
| Saugerties | 1 | $1,527 | 33 | Moderate |
| Edwards | 2 | $1,112 | 33 | Moderate |
| Clinton | 1 | $1,304 | 33 | Moderate |
| Sinclairville | 1 | $1,028 | 33 | Moderate |
| Catskill | 1 | $1,467 | 33 | Moderate |
| Gorham | 1 | $1,161 | 33 | Moderate |
| Cassadaga | 1 | $980 | 33 | Moderate |
| Bemus Point | 2 | $1,148 | 33 | Moderate |
| Chateaugay | 1 | $1,166 | 33 | Moderate |
| West Valley | 2 | $1,096 | 33 | Moderate |
| Morrisville | 3 | $1,131 | 33 | Moderate |
| Town Line | 1 | $1,037 | 33 | Moderate |
| Gowanda | 1 | $1,097 | 32 | Moderate |
| West Danby | 1 | $1,062 | 32 | Moderate |
| Jefferson | 1 | $1,254 | 32 | Moderate |
| West Sand Lake | 1 | $1,313 | 32 | Moderate |
| Sherburne | 1 | $1,171 | 32 | Moderate |
| Otego | 1 | $1,134 | 32 | Moderate |
| Nunda | 1 | $1,093 | 32 | Moderate |
| Schaghticoke | 1 | $1,342 | 32 | Moderate |
| Greenville | 2 | $1,319 | 32 | Moderate |
| Freeville | 1 | $1,194 | 32 | Moderate |
| Lakewood | 1 | $1,198 | 32 | Moderate |
| Manchester | 1 | $903 | 32 | Moderate |
| Binghamton | 6 | $1,041 | 32 | Moderate |
| Altamont | 1 | $1,425 | 32 | Moderate |
| New Windsor | 1 | $1,468 | 32 | Moderate |
| Lewiston | 1 | $1,262 | 32 | Moderate |
| Middleport | 1 | $1,126 | 32 | Moderate |
| Watkins Glen | 4 | $1,033 | 31 | Moderate |
| Pine Valley | 1 | $921 | 31 | Moderate |
| Hamlin | 2 | $1,019 | 31 | Moderate |
| Kingston | 1 | $1,447 | 31 | Moderate |
| Burdett | 1 | $1,137 | 31 | Moderate |
| Canaseraga | 1 | $945 | 31 | Moderate |
| Wolcott | 1 | $1,055 | 31 | Moderate |
| Cuylerville | 1 | $1,088 | 31 | Moderate |
| Syracuse | 9 | $1,175 | 31 | Moderate |
| Silver Springs | 1 | $1,075 | 31 | Moderate |
| Marlboro | 1 | $1,617 | 31 | Moderate |
| McGraw | 2 | $1,108 | 31 | Moderate |
| Poestenkill | 1 | $1,297 | 31 | Moderate |
| Rochester | 14 | $1,089 | 31 | Moderate |
| Bridgeport | 2 | $1,039 | 31 | Moderate |
| Tribes Hill | 2 | $1,079 | 31 | Moderate |
| Windsor | 1 | $1,037 | 31 | Moderate |
| Springwater | 1 | $1,144 | 31 | Moderate |
| Niagara Falls | 4 | $1,050 | 31 | Moderate |
| Fayetteville | 1 | $1,490 | 31 | Moderate |
| Williamson | 1 | $1,078 | 31 | Moderate |
| Perry | 2 | $944 | 31 | Moderate |
| Loudonville | 1 | $1,534 | 31 | Moderate |
| Elma Center | 2 | $1,174 | 31 | Moderate |
| Honeoye Falls | 2 | $1,268 | 31 | Moderate |
| Hurley | 1 | $1,535 | 31 | Moderate |
| Athens | 1 | $1,576 | 31 | Moderate |
| Hailesboro | 1 | $1,180 | 31 | Moderate |
| South Cairo | 1 | $1,216 | 31 | Moderate |
| Elmira | 2 | $1,009 | 31 | Moderate |
| Fair Haven | 1 | $1,110 | 31 | Moderate |
| Troy | 4 | $1,229 | 31 | Moderate |
| Norwich | 1 | $1,236 | 30 | Moderate |
| Youngstown | 1 | $1,242 | 30 | Moderate |
| Red Oaks Mill | 1 | $1,465 | 30 | Moderate |
| Bolivar | 2 | $930 | 30 | Moderate |
| Angelica | 1 | $914 | 30 | Moderate |
| Castleton-on-Hudson | 1 | $1,273 | 30 | Moderate |
| Lyons | 1 | $1,119 | 30 | Moderate |
| Wyoming | 2 | $1,106 | 30 | Moderate |
| Peru | 1 | $1,285 | 30 | Moderate |
| Lyndonville | 2 | $1,031 | 30 | Moderate |
| Mayville | 1 | $1,320 | 30 | Moderate |
| Billington Heights | 2 | $1,239 | 30 | Moderate |
| Corning | 1 | $1,048 | 30 | Moderate |
| Andover | 1 | $1,015 | 30 | Moderate |
| Sand Ridge | 1 | $1,069 | 30 | Moderate |
| North Collins | 3 | $1,086 | 30 | Moderate |
| Bergen | 2 | $1,041 | 30 | Moderate |
| Walker Valley | 1 | $1,594 | 30 | Moderate |
| Scottsville | 1 | $1,019 | 30 | Moderate |
| Marcy | 1 | $1,153 | 30 | Moderate |
| Kennedy | 1 | $1,036 | 30 | Moderate |
| Sodus Point | 1 | $1,073 | 30 | Moderate |
| Wynantskill | 1 | $1,165 | 30 | Moderate |
| Bloomfield | 2 | $1,181 | 30 | Moderate |
| Seneca Falls | 1 | $1,114 | 30 | Moderate |
| Gloversville | 1 | $1,170 | 30 | Moderate |
| Myers Corner | 1 | $1,512 | 30 | Moderate |
| Rome | 3 | $1,114 | 30 | Moderate |
| Stillwater | 1 | $1,281 | 30 | Moderate |
| Cattaraugus | 1 | $1,073 | 30 | Moderate |
| Falconer | 2 | $1,072 | 30 | Moderate |
| Wellsburg | 1 | $898 | 30 | Moderate |
| Northville | 1 | $1,249 | 30 | Moderate |
| Beacon | 1 | $1,397 | 30 | Moderate |
| Esperance | 1 | $1,224 | 30 | Moderate |
| Hannibal | 1 | $1,092 | 29 | Moderate |
| Clarence | 1 | $1,423 | 29 | Moderate |
| East Glenville | 4 | $1,193 | 29 | Moderate |
| Perrysburg | 1 | $1,181 | 29 | Moderate |
| Croghan | 1 | $1,216 | 29 | Moderate |
| Champlain | 1 | $1,043 | 29 | Moderate |
| Pulaski | 1 | $1,162 | 29 | Moderate |
| Waterloo | 1 | $1,018 | 29 | Moderate |
| Manlius | 1 | $1,528 | 29 | Moderate |
| Romulus | 1 | $1,160 | 29 | Moderate |
| Frankfort | 1 | $1,123 | 29 | Moderate |
| Mayfield | 1 | $1,301 | 29 | Moderate |
| Cayuga | 1 | $1,136 | 29 | Moderate |
| Johnson City | 1 | $930 | 29 | Moderate |
| Adams Center | 1 | $1,268 | 29 | Moderate |
| Mariaville Lake | 3 | $1,307 | 29 | Moderate |
| Watertown | 1 | $1,228 | 29 | Moderate |
| Highland | 1 | $1,519 | 29 | Moderate |
| De Witt | 2 | $1,325 | 28 | Moderate |
| Depew | 2 | $997 | 28 | Moderate |
| Portlandville | 1 | $1,131 | 28 | Moderate |
| Sanborn | 1 | $1,089 | 28 | Moderate |
| Orchard Park | 3 | $1,242 | 28 | Moderate |
| Central Square | 2 | $1,058 | 28 | Moderate |
| Wanakah | 1 | $1,121 | 28 | Moderate |
| Corfu | 3 | $1,115 | 28 | Moderate |
| Belfast | 1 | $997 | 28 | Moderate |
| Conesus Lake | 2 | $1,078 | 28 | Moderate |
| West Chazy | 1 | $1,128 | 28 | Moderate |
| Brinckerhoff | 1 | $1,420 | 28 | Moderate |
| Marion | 1 | $1,032 | 28 | Moderate |
| Mexico | 1 | $1,132 | 28 | Moderate |
| Dannemora | 1 | $1,068 | 27 | Moderate |
| Lake Katrine | 1 | $1,294 | 27 | Moderate |
| Clarence Center | 2 | $1,437 | 27 | Moderate |
| Union Springs | 1 | $1,135 | 27 | Moderate |
| Castile | 1 | $976 | 27 | Moderate |
| Tully | 2 | $1,240 | 27 | Moderate |
| Fulton | 1 | $1,085 | 27 | Moderate |
| Jordan | 2 | $1,082 | 27 | Moderate |
| Le Roy | 3 | $1,016 | 27 | Moderate |
| Sherrill | 1 | $1,064 | 27 | Moderate |
| Hudson Falls | 1 | $1,055 | 27 | Moderate |
| Geneseo | 1 | $1,201 | 27 | Moderate |
| Oneonta | 1 | $1,076 | 27 | Moderate |
| Cohoes | 1 | $1,182 | 27 | Moderate |
| Fort Plain | 1 | $1,222 | 27 | Moderate |
| Endwell | 1 | $975 | 27 | Moderate |
| Gasport | 1 | $1,082 | 27 | Moderate |
| Watervliet | 1 | $1,190 | 27 | Moderate |
| Grandyle Village | 1 | $1,163 | 27 | Moderate |
| Friendship | 1 | $989 | 27 | Moderate |
| Munnsville | 1 | $1,081 | 27 | Moderate |
| Owego | 1 | $1,139 | 27 | Moderate |
| Galway | 2 | $1,267 | 27 | Moderate |
| Fillmore | 1 | $974 | 27 | Moderate |
| Wallkill | 1 | $1,643 | 27 | Moderate |
| Bliss | 1 | $987 | 27 | Moderate |
| Dolgeville | 1 | $1,098 | 27 | Moderate |
| Phoenix | 1 | $1,169 | 27 | Moderate |
| Dansville | 1 | $1,041 | 27 | Moderate |
| Lowville | 1 | $1,241 | 27 | Moderate |
| Panama | 3 | $1,072 | 26 | Moderate |
| Churchville | 2 | $1,002 | 26 | Moderate |
| Johnstown | 1 | $1,131 | 26 | Moderate |
| Ogdensburg | 1 | $1,023 | 26 | Moderate |
| Oswego | 1 | $1,164 | 26 | Moderate |
| Barker | 1 | $1,053 | 26 | Moderate |
| Cuba | 2 | $997 | 26 | Moderate |
| York | 1 | $1,101 | 26 | Moderate |
| Penn Yan | 1 | $1,170 | 26 | Moderate |
| Whitesboro | 1 | $1,029 | 26 | Moderate |
| Washington Mills | 1 | $1,226 | 26 | Moderate |
| Oneida | 1 | $1,149 | 26 | Moderate |
| Binghamton University | 1 | $1,082 | 26 | Moderate |
| Glens Falls | 1 | $1,120 | 26 | Moderate |
| Lackawanna | 1 | $969 | 26 | Moderate |
| Herkimer | 1 | $1,060 | 26 | Moderate |
| Lima | 1 | $1,137 | 26 | Moderate |
| Broadalbin | 1 | $1,242 | 26 | Moderate |
| Little Falls | 1 | $1,129 | 26 | Moderate |
| Highland-on-the-Lake | 1 | $1,093 | 26 | Moderate |
| Little Valley | 1 | $990 | 26 | Moderate |
| Silver Creek | 1 | $1,077 | 25 | Moderate |
| Warsaw | 1 | $1,077 | 25 | Moderate |
| Niskayuna | 2 | $1,385 | 25 | Moderate |
| Gananda | 1 | $1,039 | 25 | Moderate |
| Auburn | 1 | $1,052 | 25 | Moderate |
| Duane Lake | 1 | $1,414 | 25 | Moderate |
| Marcellus | 1 | $1,180 | 25 | Moderate |
| West Elmira | 1 | $1,051 | 25 | Moderate |
| Jacksonville | 1 | $1,225 | 25 | Moderate |
| Ransomville | 1 | $1,051 | 25 | Moderate |
| Brighton | 6 | $1,086 | 25 | Moderate |
| Farnham | 1 | $1,039 | 25 | Moderate |
| Cadyville | 1 | $1,104 | 25 | Moderate |
| Round Lake | 1 | $1,088 | 25 | Moderate |
| Frewsburg | 1 | $936 | 25 | Moderate |
| Newark | 1 | $1,009 | 25 | Moderate |
| Elbridge | 1 | $988 | 25 | Moderate |
| Hemlock | 1 | $1,116 | 25 | Moderate |
| Palmyra | 1 | $1,012 | 25 | Moderate |
| Cobleskill | 1 | $1,271 | 25 | Moderate |
| South Hill | 1 | $1,299 | 25 | Moderate |
| Franklinville | 1 | $1,010 | 25 | Moderate |
| Amsterdam | 1 | $1,316 | 25 | Moderate |
| Irondequoit | 2 | $968 | 25 | Moderate |
| Ilion | 1 | $997 | 25 | Moderate |
| Honeoye | 1 | $958 | 24 | Moderate |
| Stannards | 1 | $971 | 24 | Moderate |
| Harris Hill | 1 | $1,291 | 24 | Moderate |
| Country Knolls | 1 | $1,308 | 24 | Moderate |
| Blasdell | 1 | $934 | 24 | Moderate |
| Fairmount | 3 | $1,042 | 24 | Moderate |
| Geneva | 1 | $1,053 | 24 | Moderate |
| East Rochester | 2 | $976 | 24 | Moderate |
| Corinth | 1 | $1,108 | 24 | Moderate |
| St. Johnsville | 1 | $1,104 | 24 | Moderate |
| Clifton Springs | 1 | $1,060 | 24 | Moderate |
| Latham | 1 | $1,130 | 24 | Moderate |
| Jamestown | 1 | $985 | 24 | Moderate |
| South Glens Falls | 1 | $1,005 | 24 | Moderate |
| Fultonville | 1 | $1,158 | 24 | Moderate |
| Chittenango | 1 | $1,033 | 24 | Moderate |
| Holley | 1 | $1,021 | 24 | Moderate |
| Walworth | 1 | $983 | 24 | Moderate |
| Elba | 1 | $1,057 | 24 | Moderate |
| Brewerton | 1 | $1,071 | 23 | Moderate |
| Spencerport | 1 | $1,072 | 23 | Moderate |
| Hilton | 1 | $1,005 | 23 | Moderate |
| Springville | 2 | $1,106 | 23 | Moderate |
| Clarkson | 1 | $1,008 | 23 | Moderate |
| Newfane | 1 | $994 | 23 | Moderate |
| Eggertsville | 1 | $1,165 | 23 | Moderate |
| Oakfield | 1 | $1,044 | 23 | Moderate |
| Ontario | 1 | $1,038 | 23 | Moderate |
| Southport | 2 | $939 | 23 | Moderate |
| Rensselaer | 1 | $1,088 | 23 | Moderate |
| Brooktondale | 1 | $1,154 | 23 | Moderate |
| Shortsville | 1 | $976 | 23 | Moderate |
| Weedsport | 1 | $989 | 23 | Moderate |
| Glens Falls North | 2 | $1,224 | 23 | Moderate |
| Schoharie | 1 | $1,301 | 23 | Moderate |
| Schuylerville | 1 | $1,215 | 23 | Moderate |
| Solvay | 1 | $952 | 23 | Moderate |
| Canandaigua | 1 | $1,228 | 22 | Moderate |
| Lockport | 1 | $1,058 | 22 | Moderate |
| Dryden | 1 | $1,104 | 22 | Moderate |
| North Tonawanda | 1 | $1,016 | 22 | Moderate |
| Rotterdam | 2 | $1,104 | 22 | Moderate |
| Newfield | 1 | $989 | 22 | Moderate |
| University at Buffalo | 2 | $1,158 | 22 | Moderate |
| Mount Morris | 1 | $987 | 22 | Moderate |
| Cleveland | 1 | $1,061 | 22 | Moderate |
| Waterford | 1 | $1,195 | 22 | Moderate |
| Greece | 1 | $989 | 22 | Moderate |
| Minoa | 1 | $905 | 22 | Moderate |
| East Syracuse | 2 | $1,012 | 22 | Moderate |
| Almond | 1 | $902 | 22 | Moderate |
| Weston Mills | 1 | $908 | 22 | Moderate |
| Mattydale | 1 | $835 | 22 | Moderate |
| North Syracuse | 1 | $897 | 21 | Moderate |
| Apalachin | 1 | $1,008 | 21 | Moderate |
| Cortland West | 1 | $1,025 | 21 | Moderate |
| Batavia | 1 | $993 | 21 | Moderate |
| Galeville | 1 | $931 | 21 | Moderate |
| Roessleville | 1 | $998 | 21 | Moderate |
| Liverpool | 2 | $989 | 21 | Moderate |
| Eden | 1 | $1,164 | 21 | Moderate |
| Tonawanda Town | 3 | $984 | 21 | Moderate |
| Fairport | 1 | $1,058 | 21 | Moderate |
| Clifton Knolls-Mill Creek | 1 | $1,251 | 21 | Moderate |
| Machias | 1 | $914 | 21 | Moderate |
| Mechanicville | 1 | $1,220 | 21 | Moderate |
| Canastota | 1 | $1,065 | 21 | Moderate |
| Phelps | 1 | $1,054 | 21 | Moderate |
| Big Flats | 3 | $1,009 | 21 | Moderate |
| West Seneca | 1 | $978 | 20 | Low |
| Caledonia | 1 | $996 | 20 | Low |
| Allegany | 1 | $996 | 20 | Low |
| Akron | 1 | $1,021 | 20 | Low |
| Cheektowaga | 2 | $897 | 20 | Low |
| Webster | 1 | $1,074 | 20 | Low |
| Victor | 2 | $1,088 | 20 | Low |
| Alexander | 1 | $1,056 | 20 | Low |
| Radisson | 1 | $1,090 | 20 | Low |
| North Boston | 1 | $1,045 | 19 | Low |
| Randolph | 1 | $1,050 | 19 | Low |
| Lancaster | 1 | $1,042 | 19 | Low |
| Avon | 1 | $991 | 17 | Low |
Compare home insurance quotes in your area
See rates from top carriers. It takes 2 minutes and could save you hundreds.
Ad · We may earn a commission when you get a quote through our partners. This doesn't affect our data or scores.
Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.