Home Insurance in Baxter Estates, New York
With a median home value of $1,134,400, Baxter Estates is 66% higher than the Nassau County median.
The typical home in Baxter Estates was built around 1951. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 63% of homes were built before 1960, about 3 points below Nassau County's 66%.
In Baxter Estates, the housing stock is 63% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Baxter Estates, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Baxter Estates has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Baxter Estates are primarily heated with natural gas.
Nassau County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Nassau County had 40,437 active NFIP flood policies as of September 2026. See the full Nassau County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $1,134,400 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Nassau County | 40,437 |
| 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)