Home Insurance in Kings County, New York
With a median home value of $905,000, Kings County is 114% higher than the New York median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kings County was built around 1944. About 66% of homes were built before 1960, about 14 points above New York's 52%.
In Kings County, the housing stock is 13% single-family homes and 55% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Kings County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 29% of occupied homes in Kings County are owner-occupied.
72% of homes in Kings County are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Kings County, per FEMA's National Risk Index, are winter weather (Very High), strong wind (Very High) and inland flooding (Very High).
As of September 2026, Kings County has 18,598 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $905,000 |
|---|---|
| Median year built | 1944 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Strong Wind (Very High), Inland Flooding (Very High) |
| Active NFIP flood policies (county) | 18,598 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)