HomeInsuranceQts

Home Insurance in Nassau County, New York

With a median home value of $684,700, Nassau County is 62% higher than the New York median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Nassau County was built around 1955. About 66% of homes were built before 1960, about 14 points above New York's 52%.

Housing in Nassau County breaks down to 79% single-family homes and 13% apartments in buildings with 5+ units.

62% of owner-occupied homes in Nassau County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 82% of occupied homes in Nassau County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Nassau County - 62% - 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.

FEMA's National Risk Index lists winter weather (Very High), coastal flooding (Very High) and inland flooding (Relatively High) as the leading hazards for Nassau County.

As of September 2026, Nassau County has 40,437 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$684,700
Median year built1955
Owner-occupied share82%
Share of owner-occupied homes with a mortgage62%
Top hazards (FEMA National Risk Index)Winter Weather (Very High), Coastal Flooding (Very High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)40,437
Home insurance premium$1,801 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

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