Home Insurance in Mineola, New York
The median home value in Mineola is $651,200, close to 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 Mineola was built around 1954. About 67% of homes were built before 1960, in line with Nassau County (66%).
Housing in Mineola breaks down to 57% single-family homes and 31% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Mineola, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Mineola has an owner-occupancy rate of 68% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Mineola, 70% 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.
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.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $651,200 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Williston Park
- East Williston
- Garden City
- New Hyde Park
- Westbury
- North Hills
- Stewart Manor
- Hempstead
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)