Home Insurance in South Floral Park, New York
With a median home value of $603,400, South Floral Park is 12% lower than the Nassau County median.
The typical home in South Floral Park was built around 1961. About 49% of homes were built before 1960, about 17 points below Nassau County's 66%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in South Floral Park is 92% single-family homes.
In South Floral Park, about 83% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in South Floral Park are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in South Floral Park are primarily heated with natural gas.
What's the biggest home insurance risk near South Floral Park? FEMA's National Risk Index points to winter weather (Very High) in Nassau County and 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 | $603,400 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)