Home Insurance in Nyack, New York
With a median home value of $628,200, Nyack is 5% higher than the Rockland County median.
The typical home in Nyack was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 42% of homes were built before 1960, about 14 points above Rockland County's 28%.
The housing stock in Nyack is 34% single-family homes and 40% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Nyack have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 33% of occupied homes in Nyack are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Nyack, 68% 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 | $628,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 33% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)