Home Insurance in Brewster, New York
The median home value in Brewster is $398,200, 16% lower than the Putnam County median.
The median home in Brewster was built in 1939 or earlier. About 75% of homes were built before 1960, about 38 points above Putnam County's 37%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brewster is 27% single-family homes, 13% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
76% of owner-occupied homes in Brewster carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 21% of occupied homes in Brewster are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Brewster, 45% of homes are primarily heated with fuel oil.
Putnam County had 292 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Putnam 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 | $398,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 21% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Putnam County | 292 |
| 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)