Home Insurance in Glen Cove, New York
Homes in Glen Cove carry a median value of $698,900 - close to the Nassau County median.
The typical home in Glen Cove was built around 1960. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 51% of homes were built before 1960, about 16 points below Nassau County's 66%.
Housing in Glen Cove breaks down to 53% single-family homes and 25% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Glen Cove, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Glen Cove has an owner-occupancy rate of 51% and a vacancy rate of 3%; 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 Glen Cove - 67% - are primarily heated with natural gas.
Nassau County had 40,437 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). 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 | $698,900 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)