Home Insurance in Cedarhurst, New York
Homes in Cedarhurst carry a median value of $861,900 - 26% higher than the Nassau County median.
The typical home in Cedarhurst was built around 1953. About 64% of homes were built before 1960, about 2 points below Nassau County's 66%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Cedarhurst, the housing stock is 55% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Cedarhurst carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 67% of occupied homes in Cedarhurst are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Cedarhurst 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.
What's the biggest home insurance risk near Cedarhurst? FEMA's National Risk Index points to winter weather (Very High) in Nassau County and 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.
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 | $861,900 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)