Home Insurance in Coxsackie, New York
The median home value in Coxsackie is $300,300, 11% higher than the Greene County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coxsackie was built around 1947. About 69% of homes were built before 1960, about 31 points above Greene County's 38%.
In Coxsackie, the housing stock is 63% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
74% of owner-occupied homes in Coxsackie carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Coxsackie are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
40% of homes in Coxsackie 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.
Greene County had 418 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Greene 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 | $300,300 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 74% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Greene County | 418 |
| 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)