FEMA flood zone
NFHL designation
Colonie is predominantly Zone X on current NFHL panels. The Mohawk River frontage on the northern edge of the township falls in Zone AE; the Shaker Creek and Patroon Creek drainages have localized AE pockets.
Colonie, Albany County
Loudonville, at its true value.
Colonie is the township that contains Loudonville: high-value single-family neighborhoods in the Albany professional corridor, established families, and the kind of file that calls for high-value carrier access. Armor Group writes personal P&C and small commercial in Colonie / Loudonville with the carrier access the household warrants. Page covers Loudonville, Latham, and the surrounding Colonie township.
City context
What the data says about Colonie.
Median household income
$101,676
ACS B19013, 2024 5-year estimate
Median home value
$322,900
ACS B25077, 2024 5-year estimate
Median year built
1971
ACS B25035 / B25034, 2024 5-year estimate · 9.2% built before 1939 · 6.8% built 2000 to 2009
High-net-worth density
14.2%
of households earn $200k or more · ACS B19001, 2024 5-year estimate
Coverage lines
What we place in Colonie.
High-value homeowners insurance
High-value single-family homes through Loudonville and surrounding neighborhoods. HO-5 placement on the higher-value files.
Personal auto coverage
Two- and three-vehicle households across the township.
Umbrella liability at meaningful limits
Personal umbrella stacked over high-value home and auto for the Loudonville household.
Owner-led business insurance
Owner-led professional services accounts in the township.
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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