St. Lawrence County, NY

Composite Insurance Risk Score: 56.3 / 100 (National rank: #1192)

Axis Scores

Climate Safety 55.3
Insurance Affordability 52.0
Housing Affordability 90.4
Community Resilience 63.8
Social Resilience 30.9
Housing Stability 36.6

Key Metrics

Annual Insurance Premium (state avg) $1,700
Insurance Burden (% of income) 2.70%
Price-to-Income Ratio 1.94
FEMA Risk Score (0-100) 44.6

Data Sources: FEMA National Risk Index (Public Domain), U.S. Census Bureau ACS 5-Year Estimates (CC0), Triple-I / NAIC public citations. Scores are percentile ranks across all valid U.S. counties (0-100).

πŸ“ˆ 10-Year Trend (2015-2024)

Historical data from U.S. Census ACS 5-Year Estimates.

πŸ’‘ Market Analysis

Over the past 5 years, home values in St. Lawrence County have grown at an average annual rate of 5.43%. During the same period, the population has decreased by 1.55%. This combination of rising prices and shrinking population may indicate housing affordability pressures or climate-related out-migration.

*Note: Correlation does not imply causation. Analysis based on ACS 5-Year Estimates (2019-2024).