Home Insurance in Tivoli, New York
Homes in Tivoli carry a median value of $354,300 - 12% lower than the Dutchess County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Tivoli was built around 1954. About 52% of homes were built before 1960, about 17 points above Dutchess County's 34%.
Housing in Tivoli breaks down to 49% single-family homes and 37% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Tivoli have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Tivoli has an owner-occupancy rate of 50% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Tivoli, 42% of homes are primarily heated with electricity. 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.
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 | $354,300 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)