Home Insurance in Laurel Hollow, New York
Homes in Laurel Hollow carry a median value of $1,636,700 - 139% higher than the Nassau County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Laurel Hollow was built around 1968. About 34% of homes were built before 1960, about 32 points below Nassau County's 66%.
The housing stock in Laurel Hollow is 99% single-family homes and 1% apartments in buildings with 5+ units.
About 45% of owner-occupied homes in Laurel Hollow have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 95% of occupied homes in Laurel Hollow are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Laurel Hollow are primarily heated with fuel oil. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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 | $1,636,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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
- Oyster Bay Cove
- Cove Neck
- Centre Island
- Upper Brookville
- Mill Neck
- Huntington Bay
- Lloyd Harbor
- Matinecock
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)