Home Insurance in Westbury, New York
Homes in Westbury carry a median value of $626,500 - 9% lower than the Nassau County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Westbury was built around 1955. About 69% of homes were built before 1960, about 3 points above Nassau County's 66%.
Housing in Westbury breaks down to 73% single-family homes and 16% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in Westbury have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Westbury has an owner-occupancy rate of 79% and a vacancy rate of 1%; unoccupied homes typically need a different coverage form.
Most homes in Westbury - 63% - 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.
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 | $626,500 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)