Home Insurance in Plandome, New York
Homes in Plandome carry a median value of $2,000,000+.
The median home in Plandome 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 79% of homes were built before 1960, about 13 points above Nassau County's 66%.
In Plandome, the housing stock is 100% single-family homes.
About 55% of owner-occupied homes in Plandome have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Plandome has an owner-occupancy rate of 97% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Plandome - 82% - 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.
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 | $2,000,000+ |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
- Plandome Manor
- Munsey Park
- Flower Hill
- Kensington
- Thomaston
- Great Neck
- Great Neck Plaza
- Baxter Estates
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)