Home Insurance in Chestnut Ridge, New York
With a median home value of $720,100, Chestnut Ridge is 21% higher than the Rockland County median.
The typical home in Chestnut Ridge was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 21% of homes were built before 1960, about 7 points below Rockland County's 28%.
The housing stock in Chestnut Ridge is 87% single-family homes and 7% apartments in buildings with 5+ units.
In Chestnut Ridge, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Chestnut Ridge are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Chestnut Ridge, 95% of homes are primarily heated with natural gas.
Rockland County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Rockland County had 1,270 active NFIP flood policies as of September 2026. See the full Rockland 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 | $720,100 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Rockland County | 1,270 |
| 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)