Home Insurance in Stewart Manor, New York
The median home value in Stewart Manor is $799,700, 17% higher than the Nassau County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Stewart Manor was built in 1939 or earlier. About 92% of homes were built before 1960, about 26 points above Nassau County's 66%.
Housing in Stewart Manor breaks down to 90% single-family homes and 5% apartments in buildings with 5+ units.
61% of owner-occupied homes in Stewart Manor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Stewart Manor are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Stewart Manor - 71% - are primarily heated with natural gas.
What's the biggest home insurance risk near Stewart Manor? 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.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $799,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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
- New Hyde Park
- South Floral Park
- Floral Park
- Garden City
- Mineola
- Malverne
- Lake Success
- Williston Park
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)