Home Insurance in Valley Stream, New York
The median home value in Valley Stream is $616,100, 10% lower than the Nassau County median.
The typical home in Valley Stream was built around 1951. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 74% of homes were built before 1960, about 8 points above Nassau County's 66%.
The housing stock in Valley Stream is 80% single-family homes and 6% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Valley Stream, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Valley Stream are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Valley Stream - 68% - 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.
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.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $616,100 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)