Home Insurance in New Square, New York
The median home value in New Square is $662,400, 11% higher than the Rockland County median.
The typical home in New Square was built around 2000. About 4% of homes were built before 1960, about 24 points below Rockland County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in New Square is 16% single-family homes, 38% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 69% of owner-occupied homes in New Square have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 15% of occupied homes in New Square are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in New Square 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 | $662,400 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 15% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)