Home Insurance in Port Jervis, New York
With a median home value of $236,700, Port Jervis is 39% lower than the Orange County median.
The median home in Port Jervis was built in 1939 or earlier. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 73% of homes were built before 1960, about 38 points above Orange County's 35%.
The housing stock in Port Jervis is 59% single-family homes and 23% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Port Jervis, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Port Jervis are owner-occupied.
Most homes in Port Jervis - 83% - are primarily heated with natural gas.
Orange County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $236,700 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)