Home Insurance in Woodsburgh, New York
Homes in Woodsburgh carry a median value of $1,625,000 - 137% higher than the Nassau County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Woodsburgh was built around 1945. About 76% of homes were built before 1960, about 10 points above Nassau County's 66%.
The housing stock in Woodsburgh is 71% single-family homes, 26% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 41% of owner-occupied homes in Woodsburgh have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Woodsburgh 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. 74% of homes in Woodsburgh are primarily heated with natural gas.
What's the biggest home insurance risk near Woodsburgh? 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 | $1,625,000 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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
- Hewlett Neck
- Cedarhurst
- Lawrence
- Hewlett Harbor
- East Rockaway
- Atlantic Beach
- Island Park
- Valley Stream
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)