FEMA flood zone
NFHL designation
Ballston Spa sits primarily in Zone X. Zone AE follows the Kayaderosseras Creek through the village core and the surrounding floodplain.
Ballston Spa, Saratoga County
The county seat, properly insured.
Ballston Spa is the Saratoga County seat: historic village core, surrounding single-family neighborhoods, and the year-round commercial backbone of the county. Armor Group writes personal P&C and small commercial in Ballston Spa with the carrier access the file warrants.
City context
What the data says about Ballston Spa.
Median household income
$101,667
ACS B19013, 2024 5-year estimate
Median home value
$308,200
ACS B25077, 2024 5-year estimate
Median year built
1938
ACS B25035 / B25034, 2024 5-year estimate · 50.1% built before 1939 · 3.0% built 2000 to 2009
High-net-worth density
10.8%
of households earn $200k or more · ACS B19001, 2024 5-year estimate
Coverage lines
What we place in Ballston Spa.
High-value homeowners insurance
Historic village homes and surrounding single-family neighborhoods. HO-5 and HO-3 placement depending on dwelling vintage.
Personal auto coverage
Primary and secondary vehicles for village and surrounding households.
Umbrella liability at meaningful limits
Personal umbrella for the higher-asset Ballston Spa household.
Owner-led business insurance
Owner-led commercial accounts on Front Street and through the village commercial core.
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 2018-09-28).
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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