NY 95 begins at an intersection with
US 11 and
County Route 5 (CR 5, named Moira–St. Regis Falls Road) in the
hamlet of Moira, located in the central part of the town of
Moira. The route proceeds north through the community as a two-lane street, passing a series of homes before intersecting the eastern terminus of
CR 6 (North Lawrence–Moira Road at the northern end of the hamlet. Past the junction, the residential surroundings gradually give way to open, rolling fields as the highway winds its way northward through the town of Moira. The rural terrain continues into the adjacent town of
Bombay, where NY 95 begins to run along the western bank of the
Little Salmon River. Across the town line, the connects to the western terminus of
CR 32 ahead of a long stretch of woods surrounding the riverbank. The route meanders north for about , bending to the east and west along the river before straightening out and proceeding north to the hamlet of Bombay. NY 95 serves as the community's main north–south street, passing a park and several homes on its way to a junction with
CR 4 (Bombay–Westville Road) in the center of the hamlet. Here, NY 95 turns westward while
CR 1 begins to the north on NY 95's right-of-way. The route crosses
CSX Transportation's
Montreal Subdivision rail line before exiting the community for more rural areas of the town. It continues on a westerly track for roughly to a junction with
CR 9 (Helena Road), a connector to the nearby
St. Lawrence County line. From here, the route slowly curves northward away from the county line, meeting the western terminus of
CR 2 before ending at an intersection with
NY 37 east of the hamlet of
Hogansburg. The north end of NY 95 lies just south of the
St. Regis Indian Reservation and the
Akwesasne Mohawk Casino. ==History==