Home Insurance in Nassau, New York
Homes in Nassau carry a median value of $239,200 - 7% lower than the Rensselaer County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Nassau was built in 1939 or earlier. About 74% of homes were built before 1960, about 25 points above Rensselaer County's 48%.
The housing stock in Nassau is 62% single-family homes and 18% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Nassau carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Nassau has an owner-occupancy rate of 62% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
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 Nassau, 44% of homes are primarily heated with fuel oil.
Rensselaer County had 633 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Rensselaer 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 | $239,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Rensselaer County | 633 |
| 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)