Home Insurance in Saddle Rock, New York
The median home value in Saddle Rock is $1,733,600, 153% higher than the Nassau County median.
The typical home in Saddle Rock was built around 1957. About 64% of homes were built before 1960, about 3 points below Nassau County's 66%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Saddle Rock breaks down to 100% single-family homes.
About 58% of owner-occupied homes in Saddle Rock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 99% of occupied homes in Saddle Rock are owner-occupied. The vacancy rate is 2%; 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. In Saddle Rock, 81% of homes are primarily heated with natural gas.
FEMA rates Nassau County's overall risk as Relatively High, led by winter weather (Very High). 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 | $1,733,600 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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 Estates
- Great Neck
- Great Neck Plaza
- Kensington
- Russell Gardens
- Kings Point
- Thomaston
- Plandome
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)