Home Insurance in Red Hook, New York
The median home value in Red Hook is $378,200, 6% lower than the Dutchess County median.
The typical home in Red Hook was built around 1977. About 41% of homes were built before 1960, about 7 points above Dutchess County's 34%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Red Hook, the housing stock is 72% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
74% of owner-occupied homes in Red Hook carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Red Hook are owner-occupied.
52% of homes in Red Hook are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dutchess County had 1,291 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $378,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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
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)