Home Insurance in Orange County, New York
Homes in Orange County carry a median value of $387,900 - 8% lower than the New York median.
The typical home in Orange County was built around 1975. About 35% of homes were built before 1960, about 18 points below New York's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Orange County is 68% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Orange County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Orange County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
48% of homes in Orange County are primarily heated with natural gas. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Relatively High), winter weather (Relatively High) and inland flooding (Relatively High) as the leading hazards for Orange County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Orange County has 1,686 active NFIP flood policies on file.
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 | $387,900 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Winter Weather (Relatively High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 1,686 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Chester
- Cornwall-on-Hudson
- Florida
- Goshen
- Harriman
- Highland Falls
- Kiryas Joel
- Maybrook
- Middletown
- Monroe
- Montgomery
- Newburgh
- Otisville
- Port Jervis
- South Blooming Grove
- Tuxedo
- Tuxedo Park
- Unionville
- Walden
- Washingtonville
- Woodbury
Smaller communities
-
Greenwood Lake
- Median home value: $340,100
- Median year built: 1951
- Owner-occupied share: 68%
-
Warwick
- Median home value: $438,100
- Median year built: 1979
- Owner-occupied share: 58%
Sources
- 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)