Home Insurance in Haverstraw, New York
With a median home value of $361,100, Haverstraw is 40% lower than the Rockland County median.
The typical home in Haverstraw was built around 1962. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 18 points above Rockland County's 28%.
The housing stock in Haverstraw is 49% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Haverstraw, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 50% of occupied homes in Haverstraw are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Haverstraw - 79% - are primarily heated with natural gas.
What's the biggest home insurance risk near Haverstraw? FEMA's National Risk Index points to strong wind (Relatively High) in Rockland County and 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 | $361,100 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 50% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)