Home Insurance in Flower Hill, New York
With a median home value of $1,975,500, Flower Hill is 189% higher than the Nassau County median.
The typical home in Flower Hill was built around 1958. About 55% of homes were built before 1960, about 11 points below Nassau County's 66%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Flower Hill, the housing stock is 95% single-family homes and 5% apartments in buildings with 5+ units.
63% of owner-occupied homes in Flower Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Flower Hill are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Flower Hill, 73% of homes are primarily heated with natural gas.
FEMA rates Nassau County's overall risk as Relatively High, led by winter weather (Very High). 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 | $1,975,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)