Home Insurance in Rockland County, New York
Homes in Rockland County carry a median value of $596,900 - 41% higher than the New York median.
The typical home in Rockland County was built around 1971. About 28% of homes were built before 1960, about 24 points below New York's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Rockland County is 66% single-family homes, 20% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 63% of owner-occupied homes in Rockland County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Rockland County has an owner-occupancy rate of 68% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Rockland County - 84% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Rockland County's top hazards are strong wind (Relatively High), winter weather (Relatively High) and inland flooding (Relatively Moderate).
As of September 2026, Rockland County has 1,270 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $596,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Winter Weather (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,270 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Airmont
- Chestnut Ridge
- Grand View-on-Hudson
- Haverstraw
- Hillburn
- Kaser
- Montebello
- New Hempstead
- New Square
- Nyack
- Piermont
- Pomona
- Sloatsburg
- Spring Valley
- Suffern
- Upper Nyack
- Wesley Hills
- West Haverstraw
Sources
- 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)