Home Insurance in Kiryas Joel, New York
The median home value in Kiryas Joel is $758,800, 96% higher than the Orange County median.
The typical home in Kiryas Joel was built around 2006. About 3% of homes were built before 1960, about 32 points below Orange County's 35%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Kiryas Joel, the housing stock is 4% single-family homes and 87% apartments in buildings with 5+ units.
90% of owner-occupied homes in Kiryas Joel carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 33% of occupied homes in Kiryas Joel are owner-occupied.
90% of homes in Kiryas Joel are primarily heated with natural gas.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $758,800 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 90% |
| 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
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)