Home Insurance in Kaser, New York
Homes in Kaser carry a median value of $877,000 - 47% higher than the Rockland County median.
The typical home in Kaser was built around 1999. About 1% of homes were built before 1960, about 26 points below Rockland County's 28%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Kaser breaks down to 11% single-family homes and 43% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 93% of owner-occupied homes in Kaser have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 15% of occupied homes in Kaser are owner-occupied.
In Kaser, 100% of homes are primarily heated with natural gas.
Rockland County had 1,270 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $877,000 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 15% |
| Share of owner-occupied homes with a mortgage | 93% |
| 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)