Home Insurance in Woodbury, New York
Homes in Woodbury carry a median value of $452,200 - 17% higher than the Orange County median.
The typical home in Woodbury was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 8 points below Orange County's 35%.
In Woodbury, the housing stock is 90% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
66% of owner-occupied homes in Woodbury carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Woodbury are owner-occupied.
51% of homes in Woodbury 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'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 | $452,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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
- Harriman
- Kiryas Joel
- Monroe
- South Blooming Grove
- Tuxedo
- Highland Falls
- Washingtonville
- Cornwall-on-Hudson
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)