Home Insurance in Maybrook, New York
Homes in Maybrook carry a median value of $257,500 - 34% lower than the Orange County median.
The typical home in Maybrook was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, in line with Orange County (35%).
Housing in Maybrook breaks down to 50% single-family homes and 33% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Maybrook, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Maybrook has an owner-occupancy rate of 49% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
67% of homes in Maybrook are primarily heated with natural gas.
What's the biggest home insurance risk near Maybrook? FEMA's National Risk Index points to strong wind (Relatively High) in Orange County and Orange County had 1,686 active NFIP flood policies as of September 2026. 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 | $257,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)