Home Insurance in Cornwall-on-Hudson, New York
The median home value in Cornwall-on-Hudson is $471,200, 21% higher than the Orange County median.
The typical home in Cornwall-on-Hudson was built around 1952. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 64% of homes were built before 1960, about 29 points above Orange County's 35%.
The housing stock in Cornwall-on-Hudson is 77% single-family homes and 11% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 64% of owner-occupied homes in Cornwall-on-Hudson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cornwall-on-Hudson has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Cornwall-on-Hudson, 71% of homes 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.
Orange County had 1,686 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Orange 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 | $471,200 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Orange County | 1,686 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Nearby towns
- Cold Spring
- Nelsonville
- Newburgh
- Highland Falls
- Beacon
- Washingtonville
- Woodbury
- South Blooming Grove
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)