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	YoY	Risk
New Suffolk	1	$6,986	82	+16.0%	Extreme
Mill Neck	1	$16,694	80	+16.7%	High
Sagaponack	1	$26,780	78	+16.6%	High
Peconic	1	$5,034	77	+8.0%	High
Fishers Island	1	$17,267	77	+12.3%	High
Moriches	1	$3,231	77	+17.1%	High
Amenia	1	$3,609	74	+14.0%	High
Bridgehampton	1	$21,101	71	+17.7%	High
Brookville	1	$3,729	71	+8.5%	High
Bedford Hills	1	$5,962	71	+11.1%	High
Orient	1	$8,229	71	+11.4%	High
Old Westbury	1	$12,677	69	+9.3%	High
Atlantic Beach	1	$7,672	68	+8.0%	High
Water Mill	1	$22,947	68	+18.6%	High
Great River	1	$3,934	68	+13.3%	High
Mount Vernon	3	$2,892	67	+11.7%	High
Inwood	1	$2,789	67	+12.3%	High
Cedarhurst	1	$4,553	67	+12.5%	High
Mattituck	1	$4,598	66	+11.2%	High
Greenport West	1	$4,288	66	+12.9%	High
Heritage Hills	4	$2,609	66	+11.4%	High
Glenwood Landing	1	$2,978	65	+13.2%	High
East Marion	1	$4,614	65	+8.4%	High
Westhampton	2	$9,315	65	+9.0%	High
Mongaup Valley	1	$1,659	65	+13.0%	High
Shelter Island Heights	1	$8,540	64	+8.0%	High
Rhinecliff	1	$2,617	64	+15.7%	High
Kings Point	1	$8,137	64	+8.0%	High
Jamesport	2	$3,583	64	+11.7%	High
New York	155	$4,782	64	+20.6%	High
Noyack	1	$9,739	64	+15.8%	High
Lawrence	1	$11,315	63	+14.7%	High
Montauk	1	$7,680	63	+9.2%	High
Wainscott	1	$17,061	63	+14.8%	High
Remsenburg-Speonk	2	$6,028	63	+9.0%	High
Amagansett	1	$12,344	63	+10.8%	High
Point Lookout	1	$4,204	62	+8.0%	High
Mamaroneck	1	$4,074	62	+12.5%	High
Laurel	1	$4,361	62	+12.3%	High
Yaphank	1	$2,577	62	+12.3%	High
East Moriches	1	$3,740	62	+16.2%	High
Oyster Bay Cove	1	$6,860	62	+9.8%	High
North Sea	1	$14,510	62	+11.4%	High
Great Neck Estates	1	$4,987	62	+8.5%	High
Cutchogue	1	$5,746	62	+11.2%	High
Eastchester	1	$2,732	62	+11.1%	High
Cragsmoor	1	$2,268	62	+13.9%	High
East Quogue	1	$5,485	61	+8.0%	High
Mastic Beach	1	$2,235	61	+9.3%	High
Westport	1	$1,880	61	+8.3%	High
Blue Point	1	$3,108	61	+16.1%	High
Airmont	1	$3,288	61	+14.5%	High
Harrison	3	$5,943	60	+11.2%	Elevated
Paul Smiths	2	$4,664	60	+17.3%	Elevated
Hunter	4	$1,963	60	+12.2%	Elevated
Sayville	1	$2,956	60	+14.2%	Elevated
Center Moriches	1	$3,345	60	+18.4%	Elevated
Tuxedo Park	1	$4,300	60	+10.8%	Elevated
Fire Island	1	$4,137	60	+7.9%	Elevated
Rhinebeck	1	$2,555	60	+12.3%	Elevated
Lake George	4	$2,736	60	+12.9%	Elevated
Northwest Harbor	1	$10,802	59	+10.5%	Elevated
Bedford	1	$7,049	59	+12.4%	Elevated
Long Beach	1	$3,717	59	+8.5%	Elevated
Hastings-on-Hudson	1	$3,115	59	+10.1%	Elevated
Lattingtown	1	$6,452	59	+9.5%	Elevated
Southold	1	$4,672	59	+10.0%	Elevated
Millerton	1	$2,748	59	+10.7%	Elevated
West Hurley	2	$2,111	59	+9.4%	Elevated
North Bellport	1	$3,719	59	+11.5%	Elevated
Hampton Bays	1	$4,670	59	+15.5%	Elevated
Millbrook	2	$4,204	59	+16.7%	Elevated
Shelter Island	1	$8,696	59	+8.0%	Elevated
Armonk	1	$6,375	59	+12.0%	Elevated
Oakdale	1	$2,896	59	+12.8%	Elevated
Great Neck	1	$4,255	59	+8.4%	Elevated
Woodmere	1	$5,796	59	+11.2%	Elevated
Bayport	1	$3,385	59	+15.1%	Elevated
Lake Success	1	$4,133	59	+9.6%	Elevated
Phoenicia	2	$2,159	59	+15.1%	Elevated
White Plains	4	$2,991	58	+11.4%	Elevated
Quogue	1	$13,698	58	+10.8%	Elevated
Hewlett	1	$5,844	58	+9.2%	Elevated
Old Brookville	1	$6,316	58	+9.8%	Elevated
Rye	1	$7,397	58	+14.1%	Elevated
Scotts Corners	3	$4,844	58	+9.7%	Elevated
Pine Plains	2	$3,217	58	+10.3%	Elevated
Millwood	1	$3,216	58	+11.7%	Elevated
Woodstock	4	$2,529	58	+14.1%	Elevated
Wassaic	1	$2,330	58	+8.0%	Elevated
Antwerp	1	$1,651	57	+20.2%	Elevated
Eastport	1	$3,762	57	+12.8%	Elevated
Springfield Center	2	$1,657	57	+14.1%	Elevated
Muttontown	1	$3,368	57	+9.9%	Elevated
East Hills	1	$5,474	57	+9.7%	Elevated
Tivoli	1	$2,714	57	+15.9%	Elevated
Irvington	1	$4,526	57	+10.7%	Elevated
Barnum Island	1	$2,933	57	+8.0%	Elevated
Rye Brook	1	$2,889	57	+11.2%	Elevated
Hannawa Falls	1	$1,509	57	+12.2%	Elevated
Brookhaven	1	$3,711	57	+16.6%	Elevated
East Islip	1	$2,876	57	+13.4%	Elevated
Hurleyville	1	$1,639	57	+13.6%	Elevated
Brightwaters	1	$3,453	57	+12.3%	Elevated
Mount Kisco	1	$4,408	57	+9.9%	Elevated
Glen Cove	1	$3,103	56	+11.4%	Elevated
New Rochelle	3	$3,409	56	+10.8%	Elevated
Yonkers	7	$2,804	56	+11.0%	Elevated
Morristown	1	$1,208	56	+12.6%	Elevated
Margaretville	2	$1,828	56	+11.7%	Elevated
Port Jefferson	1	$3,841	56	+13.9%	Elevated
West Sayville	1	$2,667	56	+14.4%	Elevated
Haines Falls	2	$2,025	56	+8.3%	Elevated
Bolton Landing	4	$1,921	56	+9.5%	Elevated
Thornwood	1	$2,480	56	+11.1%	Elevated
Pelham Manor	1	$4,370	56	+13.5%	Elevated
Monticello	2	$2,128	56	+13.2%	Elevated
Melville	1	$3,716	55	+11.4%	Elevated
Dobbs Ferry	1	$2,932	55	+11.3%	Elevated
Lake Huntington	1	$1,981	55	+16.1%	Elevated
Tannersville	2	$2,556	55	+12.2%	Elevated
East Setauket	1	$3,721	55	+11.6%	Elevated
Salem	2	$1,643	55	+15.3%	Elevated
Larchmont	1	$5,242	55	+12.6%	Elevated
Unionville	3	$1,801	55	+14.1%	Elevated
Shirley	1	$2,350	55	+13.3%	Elevated
Jefferson Valley-Yorktown	4	$2,537	55	+9.8%	Elevated
East Rockaway	1	$3,261	55	+13.2%	Elevated
Chappaqua	1	$5,146	55	+10.6%	Elevated
West Kill	2	$2,116	55	+12.5%	Elevated
Islandia	1	$2,539	55	+14.3%	Elevated
Scarsdale	1	$4,995	54	+10.7%	Elevated
Sands Point	1	$4,550	54	+10.4%	Elevated
Jericho	1	$3,518	54	+11.4%	Elevated
Chatham	4	$3,213	54	+12.4%	Elevated
Hempstead	1	$2,336	54	+9.8%	Elevated
Briarcliff Manor	1	$3,889	54	+9.9%	Elevated
Willsboro Point	2	$1,713	54	+11.2%	Elevated
Tarrytown	1	$2,886	54	+10.2%	Elevated
Mastic	1	$2,266	54	+14.8%	Elevated
Wyandanch	1	$2,456	54	+12.3%	Elevated
Piermont	1	$2,428	54	+8.8%	Elevated
Roosevelt	1	$2,341	54	+10.1%	Elevated
Pine Hill	5	$1,728	54	+12.4%	Elevated
Peach Lake	3	$4,956	54	+11.9%	Elevated
Roslyn Heights	1	$3,750	54	+10.2%	Elevated
Golden's Bridge	2	$3,642	54	+9.5%	Elevated
Albertson	1	$2,685	54	+11.3%	Elevated
Freeport	1	$2,770	54	+11.8%	Elevated
Lake Placid	3	$2,563	53	+14.0%	Elevated
Chestnut Ridge	1	$2,185	53	+13.4%	Elevated
Hortonville	2	$1,759	53	+9.8%	Elevated
Sea Cliff	1	$3,565	53	+12.9%	Elevated
Barneveld	1	$1,535	53	+14.4%	Elevated
Preston-Potter Hollow	3	$1,738	53	+14.5%	Elevated
Salt Point	2	$2,383	53	+11.0%	Elevated
East Patchogue	1	$2,570	53	+14.3%	Elevated
Gilgo	1	$3,138	53	+12.9%	Elevated
Roscoe	2	$1,797	53	+10.3%	Elevated
Hartsdale	1	$2,495	53	+8.8%	Elevated
Ardsley	1	$2,777	53	+11.0%	Elevated
Swan Lake	2	$1,655	53	+14.3%	Elevated
Bohemia	1	$2,561	53	+12.2%	Elevated
Loch Sheldrake	1	$1,853	53	+10.1%	Elevated
Bayville	1	$2,779	53	+8.8%	Elevated
Lake Mohegan	2	$2,002	52	+9.1%	Elevated
Cold Spring Harbor	1	$6,610	52	+9.2%	Elevated
Copake Lake	5	$2,686	52	+11.9%	Elevated
Eldred	2	$1,701	52	+8.4%	Elevated
Firthcliffe	2	$1,964	52	+12.3%	Elevated
Amityville	1	$2,752	52	+14.4%	Elevated
Woodbury	4	$2,695	52	+10.6%	Elevated
Uniondale	1	$2,288	52	+11.3%	Elevated
Rifton	2	$1,590	52	+10.5%	Elevated
Long Lake	3	$1,814	52	+9.1%	Elevated
Islip	1	$2,778	52	+13.8%	Elevated
East Shoreham	1	$3,167	52	+12.5%	Elevated
Elmsford	1	$1,997	52	+8.0%	Elevated
Croton-on-Hudson	1	$2,561	52	+10.5%	Elevated
Barryville	4	$1,742	52	+11.0%	Elevated
Valhalla	1	$2,273	52	+10.6%	Elevated
Glasco	1	$1,327	52	+14.3%	Elevated
Verplanck	1	$1,769	52	+10.8%	Elevated
Castorland	1	$1,268	52	+13.3%	Elevated
Syosset	1	$4,038	51	+10.5%	Elevated
Upper Nyack	1	$2,532	51	+12.0%	Elevated
Miller Place	1	$3,029	51	+12.1%	Elevated
Lake Grove	1	$2,667	51	+12.8%	Elevated
Greenlawn	1	$2,943	51	+12.7%	Elevated
Mount Sinai	1	$3,185	51	+13.3%	Elevated
Aquebogue	1	$3,134	51	+10.6%	Elevated
Saranac Lake	3	$2,002	51	+10.0%	Elevated
Mountain Dale	2	$1,522	51	+14.6%	Elevated
Fort Salonga	1	$3,624	51	+12.0%	Elevated
Pleasantville	1	$2,968	51	+10.4%	Elevated
Calverton	1	$2,672	51	+15.6%	Elevated
Avoca	1	$1,078	51	+16.0%	Elevated
Davenport Center	2	$1,256	51	+12.8%	Elevated
Copake Falls	1	$2,066	51	+13.6%	Elevated
Manhasset	1	$5,402	51	+8.7%	Elevated
Rockville Centre	1	$3,518	51	+11.7%	Elevated
Baldwin	1	$2,689	51	+11.9%	Elevated
Washingtonville	2	$1,889	51	+14.7%	Elevated
Fort Montgomery	2	$1,975	51	+14.2%	Elevated
Hawthorne	1	$2,096	50	+11.2%	Elevated
Chadwicks	1	$1,160	50	+12.2%	Elevated
White Lake	4	$1,899	50	+10.2%	Elevated
Hermon	1	$1,168	50	+15.9%	Elevated
Oceanside	1	$2,943	50	+11.6%	Elevated
Kings Park	1	$2,693	50	+13.1%	Elevated
Garden City	1	$3,718	50	+12.5%	Elevated
Westernville	1	$1,362	50	+13.4%	Elevated
Old Bethpage	1	$2,753	50	+12.6%	Elevated
Fairview	1	$2,199	50	+10.2%	Elevated
South Fallsburg	1	$1,615	50	+12.1%	Elevated
Riverhead	1	$2,666	50	+15.0%	Elevated
Thousand Island Park	1	$1,851	50	+10.0%	Elevated
St. James	1	$3,587	50	+12.5%	Elevated
Mahopac	2	$2,390	50	+10.4%	Elevated
Windham	1	$2,548	50	+10.8%	Elevated
Natural Bridge	1	$1,220	50	+11.9%	Elevated
Smyrna	3	$1,345	50	+16.6%	Elevated
Manorville	1	$2,794	50	+14.1%	Elevated
Tappan	2	$2,943	50	+13.9%	Elevated
Ossining	1	$2,166	50	+9.1%	Elevated
Shokan	5	$2,069	50	+12.9%	Elevated
Middle Island	1	$2,323	50	+11.3%	Elevated
Hunt	2	$1,237	49	+15.1%	Elevated
Franklin	1	$1,484	49	+11.7%	Elevated
Claverack-Red Mills	1	$2,165	49	+11.7%	Elevated
Wading River	1	$2,957	49	+13.5%	Elevated
Bridgewater	1	$1,310	49	+14.4%	Elevated
Valley Stream	2	$2,605	49	+11.7%	Elevated
Lloyd Harbor	1	$3,863	49	+10.7%	Elevated
Montebello	1	$2,491	49	+13.1%	Elevated
Whitehall	2	$1,346	49	+12.0%	Elevated
Clintondale	2	$1,576	49	+11.0%	Elevated
Kauneonga Lake	1	$1,728	49	+8.0%	Elevated
Buchanan	1	$1,763	49	+12.0%	Elevated
Adams	1	$1,301	49	+12.9%	Elevated
Dix Hills	1	$3,124	49	+11.6%	Elevated
Peekskill	2	$2,835	49	+11.4%	Elevated
North Great River	1	$2,414	49	+13.2%	Elevated
Lynbrook	1	$2,658	49	+12.9%	Elevated
Chautauqua	2	$2,133	49	+13.9%	Elevated
Bloomville	2	$1,588	49	+15.4%	Elevated
Jeffersonville	3	$1,794	49	+11.1%	Elevated
Haviland	2	$1,974	49	+13.4%	Elevated
Rensselaer Falls	1	$1,084	48	+12.2%	Elevated
North Bay	1	$1,533	48	+19.1%	Elevated
Hobart	3	$1,510	48	+14.5%	Elevated
Scotchtown	2	$1,660	48	+14.1%	Elevated
Fleischmanns	3	$1,667	48	+12.9%	Elevated
Dover Plains	1	$2,152	48	+12.1%	Elevated
Hauppauge	1	$2,762	48	+12.4%	Elevated
Rocky Point	1	$2,339	48	+11.9%	Elevated
Woodridge	1	$1,770	48	+15.3%	Elevated
Waterville	1	$1,241	48	+12.1%	Elevated
Fly Creek	1	$2,271	48	+20.6%	Elevated
Copiague	1	$2,390	48	+13.6%	Elevated
Bay Shore	1	$2,570	48	+13.2%	Elevated
Elmont	1	$2,190	48	+11.3%	Elevated
Terryville	1	$2,520	48	+12.3%	Elevated
Morris	1	$1,346	48	+10.2%	Elevated
Stony Brook	1	$2,981	48	+12.4%	Elevated
Centerport	1	$3,250	48	+11.6%	Elevated
Coram	1	$2,372	48	+12.0%	Elevated
Seaford	1	$2,572	48	+14.3%	Elevated
Nesconset	1	$2,707	48	+12.5%	Elevated
Fort Ann	2	$1,605	48	+8.0%	Elevated
Malverne	1	$2,544	47	+12.9%	Elevated
Tupper Lake	1	$1,692	47	+14.8%	Elevated
Carle Place	1	$2,201	47	+12.0%	Elevated
Granville	3	$1,335	47	+12.7%	Elevated
West Hempstead	1	$2,538	47	+12.5%	Elevated
Merrick	1	$3,060	47	+13.0%	Elevated
Hartwick Seminary	1	$1,871	47	+9.7%	Elevated
Pottersville	2	$1,373	47	+13.1%	Elevated
Old Forge	1	$1,773	47	+9.7%	Elevated
Cape Vincent	1	$1,201	47	+12.7%	Elevated
Woodbourne	2	$1,589	47	+12.6%	Elevated
Mineville	1	$1,233	47	+14.9%	Elevated
Star Lake	2	$1,155	47	+15.5%	Elevated
East Nassau	4	$2,160	47	+10.7%	Elevated
Winthrop	2	$1,166	47	+10.5%	Elevated
Medford	1	$2,375	47	+12.0%	Elevated
Massapequa	1	$2,738	47	+14.9%	Elevated
Beaver Dam Lake	1	$1,758	47	+13.2%	Elevated
Turin	1	$1,493	47	+20.1%	Elevated
Burke	1	$1,415	47	+13.6%	Elevated
Fallsburg	1	$1,561	47	+13.8%	Elevated
Williston Park	1	$2,617	47	+13.2%	Elevated
Cambridge	1	$1,435	47	+9.2%	Elevated
Menands	1	$1,677	47	+10.1%	Elevated
South Dayton	2	$1,170	47	+15.7%	Elevated
DeRuyter	5	$1,236	46	+14.6%	Elevated
Sparrow Bush	2	$1,425	46	+13.3%	Elevated
Pawling	1	$2,657	46	+11.9%	Elevated
Earlville	1	$1,280	46	+15.6%	Elevated
Holtsville	1	$2,458	46	+12.1%	Elevated
Eagle Bay	1	$1,537	46	+16.0%	Elevated
Haverstraw	1	$1,721	46	+12.9%	Elevated
North Babylon	1	$2,345	46	+13.9%	Elevated
Commack	1	$2,701	46	+13.3%	Elevated
East Durham	3	$1,512	46	+8.6%	Elevated
Palenville	1	$1,426	46	+14.1%	Elevated
Madrid	2	$1,154	46	+12.6%	Elevated
Nelsonville	1	$2,609	46	+10.9%	Elevated
Andes	1	$1,649	46	+8.0%	Elevated
Central Islip	1	$2,148	46	+12.1%	Elevated
North Bellmore	1	$2,675	46	+13.5%	Elevated
Smithtown	1	$2,828	46	+12.4%	Elevated
High Falls	1	$1,976	46	+14.4%	Elevated
Freedom Plains	2	$2,043	46	+12.8%	Elevated
Wantagh	1	$2,605	46	+14.1%	Elevated
Smallwood	1	$1,269	46	+11.9%	Elevated
Deer Park	1	$2,340	45	+12.6%	Elevated
Speculator	5	$1,523	45	+12.6%	Elevated
Liberty	3	$1,530	45	+11.0%	Elevated
Naples	1	$1,738	45	+17.2%	Elevated
Great Bend	1	$1,273	45	+13.3%	Elevated
West Islip	1	$2,682	45	+12.9%	Elevated
Greenwich	1	$1,345	45	+11.0%	Elevated
Selden	1	$2,287	45	+11.9%	Elevated
St. Regis Falls	1	$1,515	45	+8.9%	Elevated
Crompond	1	$2,042	45	+8.9%	Elevated
Ridge	1	$2,115	45	+14.2%	Elevated
Westbury	1	$2,345	45	+10.9%	Elevated
Sloatsburg	1	$2,088	45	+14.2%	Elevated
Plainview	1	$2,677	45	+11.1%	Elevated
Ronkonkoma	1	$2,318	45	+12.2%	Elevated
Centereach	1	$2,400	45	+12.1%	Elevated
Gardiner	1	$1,944	45	+12.3%	Elevated
Massapequa Park	1	$2,502	45	+14.6%	Elevated
Kiamesha Lake	1	$1,152	45	+8.0%	Elevated
Parishville	1	$1,075	45	+11.6%	Elevated
Lyon Mountain	5	$1,291	45	+12.9%	Elevated
Holbrook	1	$2,520	45	+13.8%	Elevated
Ghent	1	$2,298	45	+11.3%	Elevated
Floral Park	1	$2,360	45	+12.2%	Elevated
Red Creek	1	$1,172	44	+14.2%	Elevated
Lindenhurst	1	$2,396	44	+13.2%	Elevated
Schroon Lake	3	$1,371	44	+9.9%	Elevated
Savona	1	$932	44	+10.8%	Elevated
Chaumont	1	$1,188	44	+14.8%	Elevated
Narrowsburg	1	$1,761	44	+14.0%	Elevated
Burlington Flats	1	$1,290	44	+12.9%	Elevated
Stone Ridge	1	$2,066	44	+10.8%	Elevated
West Babylon	1	$2,326	44	+13.1%	Elevated
Wells	1	$1,085	44	+12.1%	Elevated
Montrose	1	$1,819	44	+8.1%	Elevated
Farmingville	1	$2,450	44	+13.5%	Elevated
Downsville	4	$1,350	44	+11.6%	Elevated
Port Leyden	2	$1,179	44	+10.5%	Elevated
Ticonderoga	3	$1,470	44	+10.3%	Elevated
Pomona	1	$2,263	44	+11.3%	Elevated
Grahamsville	2	$1,752	44	+11.2%	Elevated
Staatsburg	1	$2,142	44	+11.9%	Elevated
Campbell	1	$1,017	44	+13.2%	Elevated
Norfolk	2	$1,123	44	+11.7%	Elevated
Altmar	2	$1,100	44	+11.9%	Elevated
Redwood	1	$1,217	44	+13.1%	Elevated
North Creek	4	$1,463	44	+12.9%	Elevated
East Northport	1	$2,658	44	+12.4%	Elevated
Sound Beach	1	$2,218	44	+10.9%	Elevated
Bethpage	1	$2,217	44	+12.4%	Elevated
Goshen	2	$1,808	44	+14.0%	Elevated
East Meadow	1	$2,326	44	+12.7%	Elevated
Hartwick	1	$1,359	44	+17.8%	Elevated
Cornwall-on-Hudson	1	$1,834	44	+11.4%	Elevated
Brentwood	1	$2,156	43	+11.8%	Elevated
Copenhagen	1	$1,305	43	+13.3%	Elevated
Henderson	2	$1,494	43	+12.6%	Elevated
Rock Hill	1	$1,733	43	+11.0%	Elevated
Au Sable Forks	3	$1,429	43	+13.1%	Elevated
Newport	1	$1,287	43	+15.4%	Elevated
Laurens	1	$1,178	43	+14.6%	Elevated
Rosendale	2	$1,616	43	+10.1%	Elevated
Westmoreland	1	$1,139	43	+11.5%	Elevated
Fishers Landing	1	$2,093	43	+13.1%	Elevated
Prattsville	3	$1,702	43	+10.1%	Elevated
Ovid	1	$1,306	43	+10.6%	Elevated
Livingston Manor	1	$1,824	43	+9.1%	Elevated
Wilmington	3	$1,554	43	+11.9%	Elevated
Yorkville	1	$1,047	43	+14.0%	Elevated
Orangeburg	2	$1,940	43	+10.4%	Elevated
North New Hyde Park	1	$2,212	43	+11.3%	Elevated
Hicksville	1	$2,126	43	+11.8%	Elevated
Rushville	2	$1,321	43	+13.8%	Elevated
Averill Park	6	$1,433	43	+9.2%	Elevated
Port Jervis	1	$1,516	43	+13.4%	Elevated
Maybrook	2	$1,600	43	+13.2%	Elevated
Stamford	3	$1,335	43	+11.8%	Elevated
Franklin Square	1	$2,183	43	+11.9%	Elevated
New Berlin	1	$1,322	42	+14.7%	Elevated
Warwick	1	$2,025	42	+12.1%	Elevated
Accord	1	$1,993	42	+13.7%	Elevated
East Farmingdale	1	$2,293	42	+13.2%	Elevated
Smithville Flats	3	$1,057	42	+13.3%	Elevated
Tillson	1	$1,394	42	+12.7%	Elevated
Rodman	1	$1,313	42	+11.7%	Elevated
Marathon	1	$1,150	42	+12.5%	Elevated
Lyons Falls	3	$1,232	42	+13.3%	Elevated
Yorkshire	3	$1,017	42	+12.4%	Elevated
Lodi	2	$1,227	42	+13.3%	Elevated
South Blooming Grove	1	$1,754	42	+15.1%	Elevated
Clayton	1	$1,287	42	+10.8%	Elevated
Mannsville	1	$1,262	42	+13.4%	Elevated
Limestone	1	$974	42	+11.8%	Elevated
Sylvan Beach	2	$993	42	+13.9%	Elevated
Millport	1	$1,093	42	+16.4%	Elevated
Sidney	2	$1,088	42	+13.8%	Elevated
Cohocton	1	$1,064	42	+11.8%	Elevated
Mineola	1	$2,166	42	+11.6%	Elevated
Valley Cottage	1	$1,882	42	+12.3%	Elevated
Philadelphia	1	$1,249	42	+13.6%	Elevated
Addison	3	$1,032	42	+10.6%	Elevated
Glen Aubrey	2	$1,042	42	+10.1%	Elevated
Port Henry	2	$1,262	42	+12.9%	Elevated
Florida	1	$1,595	42	+13.6%	Elevated
Levittown	1	$2,051	41	+12.1%	Elevated
Heuvelton	1	$1,147	41	+13.2%	Elevated
Wampsville	1	$929	41	+8.0%	Elevated
West Nyack	1	$2,181	41	+12.0%	Elevated
Otisville	2	$1,535	41	+13.0%	Elevated
New Baltimore	5	$1,425	41	+11.2%	Elevated
Middletown	3	$1,589	41	+11.4%	Elevated
Ruby	2	$1,171	41	+8.5%	Elevated
Orange Lake	2	$1,630	41	+14.1%	Elevated
Hornell	1	$958	41	+12.5%	Elevated
Walton	2	$1,266	41	+11.8%	Elevated
Brasher Falls	1	$1,163	41	+12.0%	Elevated
Lisle	1	$977	41	+10.7%	Elevated
Lorraine	2	$1,080	41	+15.4%	Elevated
Napanoch	2	$1,325	41	+8.6%	Elevated
Sandy Creek	1	$1,075	41	+11.8%	Elevated
Alexandria Bay	1	$1,297	41	+7.9%	Elevated
Lacona	2	$1,087	41	+10.6%	Elevated
West Point	1	$1,397	41	+7.9%	Elevated
Coxsackie	2	$1,341	41	+10.5%	Elevated
Thiells	1	$1,698	41	+10.0%	Elevated
Putnam Lake	1	$1,986	41	+11.3%	Elevated
New York Mills	1	$1,093	40	+14.5%	Moderate
Chester	1	$1,829	40	+12.7%	Moderate
North Rose	1	$1,080	40	+11.7%	Moderate
Mooers	2	$1,129	40	+11.6%	Moderate
Deposit	1	$1,336	40	+13.6%	Moderate
Middleville	1	$1,172	40	+9.1%	Moderate
Hadley	3	$1,207	40	+9.7%	Moderate
Parish	1	$1,253	40	+11.4%	Moderate
Norwood	1	$1,200	40	+14.1%	Moderate
Black River	1	$1,304	40	+13.2%	Moderate
Ellicottville	2	$1,488	40	+12.5%	Moderate
DeKalb Junction	1	$1,165	40	+15.0%	Moderate
Hillburn	1	$1,580	40	+9.6%	Moderate
Gilbertsville	2	$1,350	40	+14.1%	Moderate
Brushton	4	$1,179	40	+10.7%	Moderate
New City	1	$2,200	40	+11.3%	Moderate
Buffalo	16	$1,464	40	+12.0%	Moderate
Fort Covington	2	$1,230	40	+13.1%	Moderate
Cato	2	$1,132	40	+11.5%	Moderate
Olcott	3	$1,027	40	+12.5%	Moderate
Victory	1	$1,126	40	+11.3%	Moderate
Hamilton	2	$1,341	40	+11.9%	Moderate
Kinderhook	2	$1,881	39	+10.3%	Moderate
Poland	1	$1,321	39	+16.4%	Moderate
Aurora	3	$1,256	39	+13.2%	Moderate
Germantown	1	$2,267	39	+10.9%	Moderate
Hammond	1	$1,082	39	+9.9%	Moderate
Edmeston	2	$1,128	39	+14.1%	Moderate
Voorheesville	3	$1,326	39	+11.4%	Moderate
Westmere	4	$1,431	39	+10.2%	Moderate
Nichols	2	$1,112	39	+14.0%	Moderate
Keuka Park	3	$1,212	39	+15.5%	Moderate
Interlaken	1	$1,353	39	+16.2%	Moderate
Ellenville	1	$1,572	39	+15.2%	Moderate
Pike	1	$1,056	39	+12.7%	Moderate
Hagaman	1	$1,293	39	+11.0%	Moderate
Cranberry Lake	1	$1,174	39	+13.2%	Moderate
Ripley	2	$1,222	39	+14.9%	Moderate
Colton	2	$1,089	39	+9.3%	Moderate
Whitney Point	1	$1,081	39	+11.9%	Moderate
Redford	1	$1,275	39	+11.2%	Moderate
Philmont	1	$1,506	39	+8.2%	Moderate
Niverville	3	$1,762	39	+11.4%	Moderate
Green Island	1	$1,306	39	+11.5%	Moderate
Rushford	3	$981	39	+13.2%	Moderate
Remsen	1	$1,204	39	+13.0%	Moderate
Lake Delta	3	$1,215	39	+12.8%	Moderate
Houghton	2	$1,078	38	+15.9%	Moderate
Thendara	1	$1,274	38	+12.5%	Moderate
Holland Patent	1	$1,282	38	+13.0%	Moderate
Wingdale	1	$1,631	38	+10.7%	Moderate
Potsdam	1	$1,317	38	+13.7%	Moderate
Clyde	1	$1,175	38	+13.8%	Moderate
Middleburgh	2	$1,317	38	+12.9%	Moderate
Theresa	1	$1,222	38	+14.6%	Moderate
Vernon	2	$1,188	38	+13.1%	Moderate
Alfred	2	$1,076	38	+14.3%	Moderate
Blauvelt	1	$2,058	38	+10.6%	Moderate
Shorehaven	2	$1,919	38	+11.8%	Moderate
East Greenbush	2	$1,401	38	+12.5%	Moderate
Clayville	2	$1,166	38	+12.2%	Moderate
Fredonia	1	$1,083	38	+12.7%	Moderate
Montour Falls	1	$1,042	38	+13.3%	Moderate
Moravia	1	$1,129	38	+11.9%	Moderate
Chestertown	1	$1,405	38	+11.9%	Moderate
Elizabethtown	2	$1,189	38	+11.1%	Moderate
West Haverstraw	2	$1,468	38	+10.9%	Moderate
Westfield	1	$1,171	38	+14.6%	Moderate
Pleasant Valley	1	$1,812	38	+12.6%	Moderate
Kerhonkson	1	$1,690	38	+14.9%	Moderate
Oriskany	1	$1,101	38	+12.3%	Moderate
Worcester	1	$1,039	38	+9.7%	Moderate
Durhamville	1	$1,239	38	+14.6%	Moderate
Greenwood Lake	1	$1,500	38	+12.6%	Moderate
Sodus	1	$1,126	37	+12.6%	Moderate
Sherman	1	$1,080	37	+14.2%	Moderate
Chenango Bridge	3	$1,072	37	+12.4%	Moderate
Madison	1	$935	37	+9.1%	Moderate
Canajoharie	2	$1,307	37	+12.2%	Moderate
Ellisburg	1	$1,017	37	+12.5%	Moderate
Wayland	1	$1,114	37	+13.0%	Moderate
Carmel	1	$2,009	37	+12.0%	Moderate
Red Hook	2	$1,748	37	+11.7%	Moderate
Poughkeepsie	1	$1,531	37	+12.4%	Moderate
Candor	2	$1,077	37	+13.5%	Moderate
Shrub Oak	3	$1,854	37	+11.1%	Moderate
Port Ewen	4	$1,364	37	+12.5%	Moderate
Brocton	3	$993	37	+13.0%	Moderate
Scio	1	$936	37	+14.8%	Moderate
Gang Mills	2	$1,121	37	+13.1%	Moderate
Warrensburg	1	$1,248	37	+11.3%	Moderate
Montgomery	1	$1,635	37	+13.7%	Moderate
Schuyler Lake	1	$1,207	37	+13.4%	Moderate
Mount Vision	1	$1,176	37	+9.7%	Moderate
Erin	2	$1,080	37	+11.5%	Moderate
Leeds	2	$1,446	37	+12.0%	Moderate
Argyle	1	$1,247	37	+12.0%	Moderate
Hoosick Falls	4	$1,343	37	+9.8%	Moderate
Guilford	2	$1,221	37	+16.0%	Moderate
Pittsford	2	$1,389	37	+12.1%	Moderate
Arcade	3	$1,073	37	+13.2%	Moderate
Portville	1	$932	37	+10.6%	Moderate
Savannah	1	$1,131	36	+12.5%	Moderate
Nassau Lake	1	$1,344	36	+12.4%	Moderate
Walden	1	$1,446	36	+13.2%	Moderate
Waddington	1	$1,180	36	+14.3%	Moderate
Albany	7	$1,340	36	+11.1%	Moderate
Wurtsboro	2	$1,456	36	+11.4%	Moderate
Malone	1	$1,203	36	+10.6%	Moderate
Bloomingburg	1	$1,554	36	+11.1%	Moderate
Van Etten	1	$1,103	36	+11.4%	Moderate
Nedrow	1	$1,031	36	+13.4%	Moderate
Hammondsport	1	$1,165	36	+11.4%	Moderate
Forestville	1	$1,109	36	+12.1%	Moderate
Oxford	1	$1,167	36	+12.1%	Moderate
Celoron	1	$869	36	+14.6%	Moderate
Palatine Bridge	1	$1,236	36	+13.0%	Moderate
Schenevus	1	$1,221	36	+14.7%	Moderate
Lakeville	1	$1,053	36	+10.3%	Moderate
Akwesasne	3	$1,184	36	+13.4%	Moderate
Camden	1	$1,198	36	+12.6%	Moderate
Caroga Lake	1	$1,094	36	+11.4%	Moderate
South Lansing	2	$1,230	36	+15.1%	Moderate
Chazy	1	$1,238	36	+13.7%	Moderate
Unadilla	1	$1,148	36	+13.6%	Moderate
Depauville	1	$1,243	36	+11.7%	Moderate
Groveland Station	1	$1,061	36	+11.2%	Moderate
Cazenovia	1	$1,704	36	+13.2%	Moderate
New Paltz	1	$1,792	36	+13.9%	Moderate
Round Top	1	$1,358	36	+10.0%	Moderate
Salisbury Center	2	$1,134	36	+13.1%	Moderate
Salamanca	1	$1,014	36	+13.7%	Moderate
Cairo	5	$1,386	36	+11.8%	Moderate
Dexter	1	$1,172	35	+14.0%	Moderate
Afton	3	$1,161	35	+12.5%	Moderate
Delhi	1	$1,382	35	+10.8%	Moderate
Fort Edward	1	$1,057	35	+11.2%	Moderate
Mohawk	1	$1,055	35	+13.8%	Moderate
Fabius	1	$1,280	35	+13.7%	Moderate
Greene	1	$1,119	35	+11.7%	Moderate
Constantia	3	$1,191	35	+12.8%	Moderate
Brownville	1	$1,143	35	+10.8%	Moderate
Prattsburgh	1	$998	35	+13.7%	Moderate
Schenectady	4	$1,355	35	+12.5%	Moderate
Milford	1	$1,244	35	+16.4%	Moderate
Strykersville	2	$1,144	35	+8.9%	Moderate
Oriskany Falls	2	$1,216	35	+12.0%	Moderate
Unadilla Forks	1	$1,185	35	+12.7%	Moderate
Fort Johnson	1	$1,343	35	+12.0%	Moderate
Dalton	2	$908	35	+9.8%	Moderate
Arkport	1	$944	35	+11.9%	Moderate
Cherry Valley	1	$1,294	35	+10.1%	Moderate
Cold Brook	1	$1,131	35	+13.5%	Moderate
Medina	1	$1,091	35	+12.7%	Moderate
Stottville	1	$1,734	35	+11.8%	Moderate
Dunkirk	1	$946	35	+10.9%	Moderate
Three Mile Bay	1	$1,010	35	+12.7%	Moderate
Rouses Point	1	$1,148	35	+10.3%	Moderate
Stony Point	1	$1,791	35	+11.0%	Moderate
Wilson	1	$1,153	34	+12.4%	Moderate
Keeseville	1	$1,323	34	+9.3%	Moderate
Richmondville	3	$1,215	34	+9.8%	Moderate
Lake Erie Beach	2	$976	34	+13.1%	Moderate
Albion	2	$1,077	34	+12.8%	Moderate
Central Bridge	3	$1,234	34	+10.0%	Moderate
Boonville	1	$1,179	34	+11.5%	Moderate
Congers	1	$1,686	34	+10.3%	Moderate
Clark Mills	1	$955	34	+11.7%	Moderate
Plattsburgh	3	$1,133	34	+11.7%	Moderate
Pavilion	1	$1,162	34	+14.9%	Moderate
Altona	1	$1,058	34	+9.7%	Moderate
Newark Valley	3	$1,135	34	+13.7%	Moderate
Constableville	2	$1,229	34	+12.6%	Moderate
Attica	2	$1,084	34	+13.8%	Moderate
Homer	2	$1,138	34	+14.7%	Moderate
Lake Luzerne	1	$1,283	34	+13.7%	Moderate
Valley Falls	2	$1,303	34	+10.4%	Moderate
Calcium	2	$1,128	34	+12.1%	Moderate
Sharon Springs	1	$1,407	34	+13.1%	Moderate
Hancock	1	$1,354	34	+11.9%	Moderate
Groton	2	$1,110	34	+13.1%	Moderate
Milton	3	$1,364	34	+12.3%	Moderate
Cherry Creek	1	$1,038	34	+8.8%	Moderate
Holland	3	$1,155	34	+11.9%	Moderate
Nanuet	1	$1,749	34	+11.6%	Moderate
Ravena	3	$1,227	34	+11.8%	Moderate
Lime Lake	1	$968	33	+14.2%	Moderate
Breesport	1	$1,018	33	+12.4%	Moderate
Belmont	1	$1,157	33	+14.2%	Moderate
Morrisonville	1	$1,184	33	+10.8%	Moderate
Canisteo	1	$870	33	+11.2%	Moderate
Skaneateles	2	$1,529	33	+12.7%	Moderate
Odessa	2	$1,023	33	+10.7%	Moderate
Dundee	2	$1,240	33	+15.6%	Moderate
Saratoga Springs	3	$1,483	33	+13.4%	Moderate
Bath	1	$946	33	+11.1%	Moderate
Port Byron	1	$1,000	33	+14.1%	Moderate
Canton	1	$1,232	33	+14.1%	Moderate
Hopewell Junction	1	$1,804	33	+11.9%	Moderate
Sackets Harbor	1	$1,215	33	+12.0%	Moderate
Bainbridge	1	$1,097	33	+13.0%	Moderate
Utica	2	$1,106	33	+13.2%	Moderate
Stittville	1	$1,073	33	+12.0%	Moderate
Pearl River	1	$1,691	33	+11.1%	Moderate
Waverly	3	$1,140	33	+12.2%	Moderate
Saugerties	1	$1,527	33	+13.4%	Moderate
Edwards	2	$1,112	33	+10.3%	Moderate
Clinton	1	$1,304	33	+13.9%	Moderate
Sinclairville	1	$1,028	33	+13.3%	Moderate
Catskill	1	$1,467	33	+12.3%	Moderate
Gorham	1	$1,161	33	+13.5%	Moderate
Cassadaga	1	$980	33	+9.8%	Moderate
Bemus Point	2	$1,148	33	+9.3%	Moderate
Chateaugay	1	$1,166	33	+8.9%	Moderate
West Valley	2	$1,096	33	+12.7%	Moderate
Morrisville	3	$1,131	33	+13.8%	Moderate
Town Line	1	$1,037	33	+12.2%	Moderate
Gowanda	1	$1,097	32	+14.9%	Moderate
West Danby	1	$1,062	32	+11.7%	Moderate
Jefferson	1	$1,254	32	+8.0%	Moderate
West Sand Lake	1	$1,313	32	+12.3%	Moderate
Sherburne	1	$1,171	32	+11.1%	Moderate
Otego	1	$1,134	32	+12.2%	Moderate
Nunda	1	$1,093	32	+11.3%	Moderate
Schaghticoke	1	$1,342	32	+11.6%	Moderate
Greenville	2	$1,319	32	+9.4%	Moderate
Freeville	1	$1,194	32	+14.2%	Moderate
Lakewood	1	$1,198	32	+13.2%	Moderate
Manchester	1	$903	32	+14.1%	Moderate
Binghamton	6	$1,041	32	+12.6%	Moderate
Altamont	1	$1,425	32	+10.5%	Moderate
New Windsor	1	$1,468	32	+12.7%	Moderate
Lewiston	1	$1,262	32	+12.4%	Moderate
Middleport	1	$1,126	32	+14.7%	Moderate
Watkins Glen	4	$1,033	31	+12.0%	Moderate
Pine Valley	1	$921	31	+9.7%	Moderate
Hamlin	2	$1,019	31	+13.6%	Moderate
Kingston	1	$1,447	31	+12.0%	Moderate
Burdett	1	$1,137	31	+13.4%	Moderate
Canaseraga	1	$945	31	+11.6%	Moderate
Wolcott	1	$1,055	31	+11.3%	Moderate
Cuylerville	1	$1,088	31	+13.7%	Moderate
Syracuse	9	$1,175	31	+12.9%	Moderate
Silver Springs	1	$1,075	31	+13.7%	Moderate
Marlboro	1	$1,617	31	+11.7%	Moderate
McGraw	2	$1,108	31	+12.6%	Moderate
Poestenkill	1	$1,297	31	+11.3%	Moderate
Rochester	14	$1,089	31	+12.8%	Moderate
Bridgeport	2	$1,039	31	+14.2%	Moderate
Tribes Hill	2	$1,079	31	+11.3%	Moderate
Windsor	1	$1,037	31	+10.7%	Moderate
Springwater	1	$1,144	31	+11.7%	Moderate
Niagara Falls	4	$1,050	31	+12.1%	Moderate
Fayetteville	1	$1,490	31	+12.4%	Moderate
Williamson	1	$1,078	31	+12.4%	Moderate
Perry	2	$944	31	+12.4%	Moderate
Loudonville	1	$1,534	31	+9.8%	Moderate
Elma Center	2	$1,174	31	+12.9%	Moderate
Honeoye Falls	2	$1,268	31	+13.3%	Moderate
Hurley	1	$1,535	31	+11.5%	Moderate
Athens	1	$1,576	31	+12.1%	Moderate
Hailesboro	1	$1,180	31	+10.7%	Moderate
South Cairo	1	$1,216	31	+8.7%	Moderate
Elmira	2	$1,009	31	+11.4%	Moderate
Fair Haven	1	$1,110	31	+11.3%	Moderate
Troy	4	$1,229	31	+11.1%	Moderate
Norwich	1	$1,236	30	+14.5%	Moderate
Youngstown	1	$1,242	30	+12.4%	Moderate
Red Oaks Mill	1	$1,465	30	+11.5%	Moderate
Bolivar	2	$930	30	+10.9%	Moderate
Angelica	1	$914	30	+9.2%	Moderate
Castleton-on-Hudson	1	$1,273	30	+12.1%	Moderate
Lyons	1	$1,119	30	+13.4%	Moderate
Wyoming	2	$1,106	30	+12.2%	Moderate
Peru	1	$1,285	30	+11.3%	Moderate
Lyndonville	2	$1,031	30	+12.9%	Moderate
Mayville	1	$1,320	30	+14.2%	Moderate
Billington Heights	2	$1,239	30	+11.1%	Moderate
Corning	1	$1,048	30	+12.3%	Moderate
Andover	1	$1,015	30	+14.6%	Moderate
Sand Ridge	1	$1,069	30	+13.4%	Moderate
North Collins	3	$1,086	30	+11.2%	Moderate
Bergen	2	$1,041	30	+13.1%	Moderate
Walker Valley	1	$1,594	30	+11.7%	Moderate
Scottsville	1	$1,019	30	+11.9%	Moderate
Marcy	1	$1,153	30	+13.9%	Moderate
Kennedy	1	$1,036	30	+9.2%	Moderate
Sodus Point	1	$1,073	30	+12.1%	Moderate
Wynantskill	1	$1,165	30	+9.8%	Moderate
Bloomfield	2	$1,181	30	+12.4%	Moderate
Seneca Falls	1	$1,114	30	+12.3%	Moderate
Gloversville	1	$1,170	30	+13.4%	Moderate
Myers Corner	1	$1,512	30	+12.0%	Moderate
Rome	3	$1,114	30	+13.8%	Moderate
Stillwater	1	$1,281	30	+10.6%	Moderate
Cattaraugus	1	$1,073	30	+14.2%	Moderate
Falconer	2	$1,072	30	+13.3%	Moderate
Wellsburg	1	$898	30	+11.0%	Moderate
Northville	1	$1,249	30	+12.0%	Moderate
Beacon	1	$1,397	30	+11.6%	Moderate
Esperance	1	$1,224	30	+9.9%	Moderate
Hannibal	1	$1,092	29	+12.7%	Moderate
Clarence	1	$1,423	29	+10.1%	Moderate
East Glenville	4	$1,193	29	+11.5%	Moderate
Perrysburg	1	$1,181	29	+13.8%	Moderate
Croghan	1	$1,216	29	+11.7%	Moderate
Champlain	1	$1,043	29	+10.0%	Moderate
Pulaski	1	$1,162	29	+11.2%	Moderate
Waterloo	1	$1,018	29	+11.2%	Moderate
Manlius	1	$1,528	29	+12.0%	Moderate
Romulus	1	$1,160	29	+12.0%	Moderate
Frankfort	1	$1,123	29	+14.2%	Moderate
Mayfield	1	$1,301	29	+15.1%	Moderate
Cayuga	1	$1,136	29	+13.1%	Moderate
Johnson City	1	$930	29	+13.6%	Moderate
Adams Center	1	$1,268	29	+12.7%	Moderate
Mariaville Lake	3	$1,307	29	+11.2%	Moderate
Watertown	1	$1,228	29	+12.1%	Moderate
Highland	1	$1,519	29	+12.9%	Moderate
De Witt	2	$1,325	28	+13.5%	Moderate
Depew	2	$997	28	+11.7%	Moderate
Portlandville	1	$1,131	28	+13.7%	Moderate
Sanborn	1	$1,089	28	+13.2%	Moderate
Orchard Park	3	$1,242	28	+11.7%	Moderate
Central Square	2	$1,058	28	+10.8%	Moderate
Wanakah	1	$1,121	28	+13.0%	Moderate
Corfu	3	$1,115	28	+12.8%	Moderate
Belfast	1	$997	28	+11.6%	Moderate
Conesus Lake	2	$1,078	28	+12.7%	Moderate
West Chazy	1	$1,128	28	+10.6%	Moderate
Brinckerhoff	1	$1,420	28	+11.8%	Moderate
Marion	1	$1,032	28	+11.9%	Moderate
Mexico	1	$1,132	28	+11.6%	Moderate
Dannemora	1	$1,068	27	+8.0%	Moderate
Lake Katrine	1	$1,294	27	+13.3%	Moderate
Clarence Center	2	$1,437	27	+13.3%	Moderate
Union Springs	1	$1,135	27	+11.6%	Moderate
Castile	1	$976	27	+11.3%	Moderate
Tully	2	$1,240	27	+11.8%	Moderate
Fulton	1	$1,085	27	+12.6%	Moderate
Jordan	2	$1,082	27	+12.0%	Moderate
Le Roy	3	$1,016	27	+11.1%	Moderate
Sherrill	1	$1,064	27	+12.2%	Moderate
Hudson Falls	1	$1,055	27	+11.1%	Moderate
Geneseo	1	$1,201	27	+11.9%	Moderate
Oneonta	1	$1,076	27	+11.9%	Moderate
Cohoes	1	$1,182	27	+12.3%	Moderate
Fort Plain	1	$1,222	27	+10.9%	Moderate
Endwell	1	$975	27	+13.2%	Moderate
Gasport	1	$1,082	27	+12.8%	Moderate
Watervliet	1	$1,190	27	+11.0%	Moderate
Grandyle Village	1	$1,163	27	+12.0%	Moderate
Friendship	1	$989	27	+15.0%	Moderate
Munnsville	1	$1,081	27	+13.5%	Moderate
Owego	1	$1,139	27	+14.8%	Moderate
Galway	2	$1,267	27	+12.1%	Moderate
Fillmore	1	$974	27	+10.6%	Moderate
Wallkill	1	$1,643	27	+12.2%	Moderate
Bliss	1	$987	27	+12.1%	Moderate
Dolgeville	1	$1,098	27	+14.2%	Moderate
Phoenix	1	$1,169	27	+13.3%	Moderate
Dansville	1	$1,041	27	+11.2%	Moderate
Lowville	1	$1,241	27	+11.4%	Moderate
Panama	3	$1,072	26	+11.6%	Moderate
Churchville	2	$1,002	26	+12.7%	Moderate
Johnstown	1	$1,131	26	+12.4%	Moderate
Ogdensburg	1	$1,023	26	+13.7%	Moderate
Oswego	1	$1,164	26	+11.2%	Moderate
Barker	1	$1,053	26	+12.0%	Moderate
Cuba	2	$997	26	+12.9%	Moderate
York	1	$1,101	26	+14.0%	Moderate
Penn Yan	1	$1,170	26	+11.1%	Moderate
Whitesboro	1	$1,029	26	+12.6%	Moderate
Washington Mills	1	$1,226	26	+12.8%	Moderate
Oneida	1	$1,149	26	+13.8%	Moderate
Binghamton University	1	$1,082	26	+12.3%	Moderate
Glens Falls	1	$1,120	26	+10.7%	Moderate
Lackawanna	1	$969	26	+13.5%	Moderate
Herkimer	1	$1,060	26	+13.7%	Moderate
Lima	1	$1,137	26	+14.1%	Moderate
Broadalbin	1	$1,242	26	+12.7%	Moderate
Little Falls	1	$1,129	26	+13.4%	Moderate
Highland-on-the-Lake	1	$1,093	26	+11.7%	Moderate
Little Valley	1	$990	26	+9.5%	Moderate
Silver Creek	1	$1,077	25	+11.4%	Moderate
Warsaw	1	$1,077	25	+14.1%	Moderate
Niskayuna	2	$1,385	25	+11.1%	Moderate
Gananda	1	$1,039	25	+12.2%	Moderate
Auburn	1	$1,052	25	+12.7%	Moderate
Duane Lake	1	$1,414	25	+12.1%	Moderate
Marcellus	1	$1,180	25	+12.5%	Moderate
West Elmira	1	$1,051	25	+12.7%	Moderate
Jacksonville	1	$1,225	25	+12.8%	Moderate
Ransomville	1	$1,051	25	+11.9%	Moderate
Brighton	6	$1,086	25	+12.5%	Moderate
Farnham	1	$1,039	25	+14.4%	Moderate
Cadyville	1	$1,104	25	+9.6%	Moderate
Round Lake	1	$1,088	25	+10.4%	Moderate
Frewsburg	1	$936	25	+12.5%	Moderate
Newark	1	$1,009	25	+11.7%	Moderate
Elbridge	1	$988	25	+11.4%	Moderate
Hemlock	1	$1,116	25	+11.9%	Moderate
Palmyra	1	$1,012	25	+12.1%	Moderate
Cobleskill	1	$1,271	25	+10.9%	Moderate
South Hill	1	$1,299	25	+12.4%	Moderate
Franklinville	1	$1,010	25	+13.7%	Moderate
Amsterdam	1	$1,316	25	+13.0%	Moderate
Irondequoit	2	$968	25	+12.7%	Moderate
Ilion	1	$997	25	+12.5%	Moderate
Honeoye	1	$958	24	+11.2%	Moderate
Stannards	1	$971	24	+11.8%	Moderate
Harris Hill	1	$1,291	24	+12.2%	Moderate
Country Knolls	1	$1,308	24	+12.3%	Moderate
Blasdell	1	$934	24	+12.9%	Moderate
Fairmount	3	$1,042	24	+13.6%	Moderate
Geneva	1	$1,053	24	+12.1%	Moderate
East Rochester	2	$976	24	+12.5%	Moderate
Corinth	1	$1,108	24	+9.1%	Moderate
St. Johnsville	1	$1,104	24	+12.4%	Moderate
Clifton Springs	1	$1,060	24	+11.5%	Moderate
Latham	1	$1,130	24	+10.0%	Moderate
Jamestown	1	$985	24	+12.3%	Moderate
South Glens Falls	1	$1,005	24	+10.9%	Moderate
Fultonville	1	$1,158	24	+11.4%	Moderate
Chittenango	1	$1,033	24	+13.3%	Moderate
Holley	1	$1,021	24	+12.4%	Moderate
Walworth	1	$983	24	+11.9%	Moderate
Elba	1	$1,057	24	+13.1%	Moderate
Brewerton	1	$1,071	23	+13.9%	Moderate
Spencerport	1	$1,072	23	+13.3%	Moderate
Hilton	1	$1,005	23	+12.9%	Moderate
Springville	2	$1,106	23	+12.5%	Moderate
Clarkson	1	$1,008	23	+13.5%	Moderate
Newfane	1	$994	23	+12.3%	Moderate
Eggertsville	1	$1,165	23	+11.7%	Moderate
Oakfield	1	$1,044	23	+14.8%	Moderate
Ontario	1	$1,038	23	+11.4%	Moderate
Southport	2	$939	23	+12.6%	Moderate
Rensselaer	1	$1,088	23	+11.3%	Moderate
Brooktondale	1	$1,154	23	+12.8%	Moderate
Shortsville	1	$976	23	+12.0%	Moderate
Weedsport	1	$989	23	+10.3%	Moderate
Glens Falls North	2	$1,224	23	+11.5%	Moderate
Schoharie	1	$1,301	23	+11.0%	Moderate
Schuylerville	1	$1,215	23	+10.8%	Moderate
Solvay	1	$952	23	+12.8%	Moderate
Canandaigua	1	$1,228	22	+12.6%	Moderate
Lockport	1	$1,058	22	+12.4%	Moderate
Dryden	1	$1,104	22	+12.6%	Moderate
North Tonawanda	1	$1,016	22	+12.7%	Moderate
Rotterdam	2	$1,104	22	+11.4%	Moderate
Newfield	1	$989	22	+10.6%	Moderate
University at Buffalo	2	$1,158	22	+11.7%	Moderate
Mount Morris	1	$987	22	+9.7%	Moderate
Cleveland	1	$1,061	22	+11.3%	Moderate
Waterford	1	$1,195	22	+11.0%	Moderate
Greece	1	$989	22	+12.8%	Moderate
Minoa	1	$905	22	+11.5%	Moderate
East Syracuse	2	$1,012	22	+13.5%	Moderate
Almond	1	$902	22	+11.8%	Moderate
Weston Mills	1	$908	22	+11.6%	Moderate
Mattydale	1	$835	22	+12.1%	Moderate
North Syracuse	1	$897	21	+12.4%	Moderate
Apalachin	1	$1,008	21	+12.9%	Moderate
Cortland West	1	$1,025	21	+12.5%	Moderate
Batavia	1	$993	21	+13.6%	Moderate
Galeville	1	$931	21	+12.2%	Moderate
Roessleville	1	$998	21	+9.7%	Moderate
Liverpool	2	$989	21	+13.0%	Moderate
Eden	1	$1,164	21	+12.3%	Moderate
Tonawanda Town	3	$984	21	+12.1%	Moderate
Fairport	1	$1,058	21	+12.8%	Moderate
Clifton Knolls-Mill Creek	1	$1,251	21	+11.0%	Moderate
Machias	1	$914	21	+9.8%	Moderate
Mechanicville	1	$1,220	21	+11.1%	Moderate
Canastota	1	$1,065	21	+12.4%	Moderate
Phelps	1	$1,054	21	+12.6%	Moderate
Big Flats	3	$1,009	21	+12.9%	Moderate
West Seneca	1	$978	20	+12.5%	Low
Caledonia	1	$996	20	+8.8%	Low
Allegany	1	$996	20	+11.4%	Low
Akron	1	$1,021	20	+11.6%	Low
Cheektowaga	2	$897	20	+12.2%	Low
Webster	1	$1,074	20	+12.8%	Low
Victor	2	$1,088	20	+12.5%	Low
Alexander	1	$1,056	20	+13.4%	Low
Radisson	1	$1,090	20	+13.1%	Low
North Boston	1	$1,045	19	+12.0%	Low
Randolph	1	$1,050	19	+11.2%	Low
Lancaster	1	$1,042	19	+12.0%	Low
Avon	1	$991	17	+9.9%	Low

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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.