Home Insurance in Munsey Park, New York
With a median home value of $1,984,400, Munsey Park is 190% higher than the Nassau County median.
The median home in Munsey Park was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 92% of homes were built before 1960, about 26 points above Nassau County's 66%.
The housing stock in Munsey Park is 98% single-family homes and 2% mobile or manufactured homes.
About 54% of owner-occupied homes in Munsey Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 99% of occupied homes in Munsey Park are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Munsey Park - 77% - are primarily heated with natural gas.
Nassau County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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 | $1,984,400 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 99% |
| 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)