FEMA flood zone
NFHL designation
The City of Albany is largely Zone X on current NFHL panels. Hudson River frontage along the Port and the Corning Preserve falls in Zone AE; the Patroon Creek and Beaver Kill drainages have localized AE pockets.
Albany, Albany County
Center Square to the Pine Hills.
Albany is the state capital: professional households across Center Square, Pine Hills, and the western neighborhoods, plus the downtown professional services accounts that serve the legislative and legal corridor. Armor Group writes personal P&C and small commercial in Albany with the carrier access the file warrants.
City context
What the data says about Albany.
Median household income
$61,986
ACS B19013, 2024 5-year estimate
Median home value
$234,700
ACS B25077, 2024 5-year estimate
Median year built
1949
ACS B25035 / B25034, 2024 5-year estimate · 42.5% built before 1939 · 2.6% built 2000 to 2009
High-net-worth density
6.9%
of households earn $200k or more · ACS B19001, 2024 5-year estimate
Coverage lines
What we place in Albany.
High-value homeowners insurance
Urban single-family and brownstone homes; mixed historic and modern. Carrier match on dwelling vintage and replacement cost.
Personal auto coverage
Primary and secondary vehicles for the urban Albany household.
Umbrella liability at meaningful limits
Personal umbrella stacked over Albany household exposure.
Owner-led business insurance
Owner-led professional services, restaurants, and small commercial accounts across the city.
Data sources for this page
Demographic data: U.S. Census Bureau, American Community Survey 5-Year Estimates (2024). Tables: B25035 / B25034 (median year + age of housing stock), B19013 (median household income), B25077 (median value of owner-occupied units).
Flood zone designation: FEMA National Flood Hazard Layer (effective 2010-03-16).
Insurance information on this page is general and does not bind coverage. Coverage availability and terms vary; contact us for your specific situation.
Written by
Armor Group Insurance Agency
New York licensed independent insurance agency
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