Edie'S Crossing Community Association, Inc.
1580 Route 9, Clifton Park, NY, 12065
Mixed signals — review carefully
Flood-claim history is the main driver — $479K paid across 36 claims in ZIP 12065.
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 5 of 9
56%Still blank: Homes, Stories, Year built, Management.
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Schools nearby
- Shatekon Elementary School1.9 mi
- Arongen Elementary School1.9 mi
Distances are straight-line from this building. Enrollment counts come from the federal school directory — no school ratings are published in this data, so none are shown. NCES Common Core of Data
Know the risks before you buy
Natural-hazard profile — Saratoga County
Overall county risk: Relatively Low compared with other U.S. counties.
FEMA expects natural hazards to cost $53.0M per year across Saratoga County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 12065
Federal flood insurance has paid $479K across 36 claims in this ZIP code since 1979. The worst year was 2000 ($177K paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Special deductibleWind & hail. Usually covered, but many policies apply a separate wind/hail deductible — a flat amount or a percentage of the dwelling coverage. Virginia SCC guide
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- New York average: $611/yr for a condo unit-owner (HO-6) policy — 7% above the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in New York average $1,229/yr across 163,503 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in New York
- If the private market says no: New York Property Insurance Underwriting Association (NYPIUA) — statewide dwelling-fire and commercial property when the private market declines; also runs the coastal C-MAP program.
- Mitigation discounts: New York requires insurers to offer premium discounts for hurricane/storm shutters and impact-resistant glazing (Ins. Law §§2346, 2346-a). NY DFS
- Storm deductibles: Windstorm and hurricane deductibles commonly run 1% to 5% of the dwelling value, most often downstate (NYC, Long Island, coastal Westchester). NY DFS guide
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: NY Department of Financial Services.
Insurance market in New York
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Edie'S Crossing Community Association, Inc. report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the New York market rules
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in New York: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
Is Edie'S Crossing Community Association, Inc. mortgage-ready?
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