Home Insurance in Kensington, New York
The median home value in Kensington is $1,550,500, 126% higher than the Nassau County median.
The typical home in Kensington was built around 1950. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 64% of homes were built before 1960, about 2 points below Nassau County's 66%.
The housing stock in Kensington is 80% single-family homes and 20% apartments in buildings with 5+ units.
51% of owner-occupied homes in Kensington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kensington has an owner-occupancy rate of 99% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
In Kensington, 83% of homes 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 Kensington? 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 | $1,550,500 |
|---|---|
| Median year built | 1950 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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
- Great Neck Plaza
- Thomaston
- Great Neck
- Russell Gardens
- Great Neck Estates
- Saddle Rock
- Plandome
- Plandome Manor
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)