Home Insurance in New Hempstead, New York
With a median home value of $816,600, New Hempstead is 37% higher than the Rockland County median.
The typical home in New Hempstead was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 4 points below Rockland County's 28%.
In New Hempstead, the housing stock is 97% single-family homes and 1% apartments in buildings with 5+ units.
About 53% of owner-occupied homes in New Hempstead have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in New Hempstead are owner-occupied.
In New Hempstead, 92% of homes are primarily heated with natural gas.
FEMA rates Rockland County's overall risk as Relatively Moderate, led by strong wind (Relatively High). 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.
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 | $816,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)