Home Insurance in East Williston, New York
With a median home value of $1,068,500, East Williston is 56% higher than the Nassau County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in East Williston was built around 1951. About 79% of homes were built before 1960, about 13 points above Nassau County's 66%.
The housing stock in East Williston is 98% single-family homes and 1% mobile or manufactured homes.
About 57% of owner-occupied homes in East Williston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
East Williston has an owner-occupancy rate of 98% and a vacancy rate of 1%; 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. Most homes in East Williston - 77% - 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 | $1,068,500 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)