Home Insurance in Fishkill, New York
The median home value in Fishkill is $311,000, 22% lower than the Dutchess County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fishkill was built around 1977. About 23% of homes were built before 1960, about 12 points below Dutchess County's 34%.
Housing in Fishkill breaks down to 33% single-family homes and 59% apartments in buildings with 5+ units.
In Fishkill, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fishkill has an owner-occupancy rate of 40% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Fishkill, 52% of homes are primarily heated with natural gas.
Dutchess County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Dutchess County had 1,291 active NFIP flood policies as of September 2026. See the full Dutchess County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $311,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Dutchess County | 1,291 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Nearby towns
- Beacon
- Wappingers Falls
- Newburgh
- Nelsonville
- Cold Spring
- Cornwall-on-Hudson
- Poughkeepsie
- Highland Falls
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)