FEMA flood zone
NFHL designation
Malta is predominantly Zone X on the current NFHL panels. Zone AE pockets follow Round Lake and the Anthony Kill drainage on the southern edge.
Malta, Saratoga County
The town GlobalFoundries reshaped.
Malta is the tech-corridor town adjacent to the GlobalFoundries campus: modern construction, multi-vehicle professional families, and the emerging high-income neighborhoods that came in with Fab 8. Armor Group writes personal P&C and small commercial in Malta, and we shop a diverse stable of carriers to fit the household.
City context
What the data says about Malta.
Median household income
$110,425
ACS B19013, 2024 5-year estimate
Median home value
$365,300
ACS B25077, 2024 5-year estimate
Median year built
1990
ACS B25035 / B25034, 2024 5-year estimate · 4.3% built before 1939 · 13.2% built 2000 to 2009
High-net-worth density
18.9%
of households earn $200k or more · ACS B19001, 2024 5-year estimate
Coverage lines
What we place in Malta.
High-value homeowners insurance
Modern single-family construction, often built in the last fifteen years. Replacement-cost is the underwriting question.
Personal auto coverage
Multi-vehicle households serving the GlobalFoundries corridor and the Saratoga Springs commute.
Umbrella liability at meaningful limits
Personal umbrella for the rising-asset Malta professional household.
Owner-led business insurance
Owner-led commercial accounts in the Malta tech corridor.
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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