Home Insurance in Piermont, New York
With a median home value of $652,900, Piermont is 9% higher than the Rockland County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Piermont was built around 1973. About 33% of homes were built before 1960, about 6 points above Rockland County's 28%.
In Piermont, the housing stock is 39% single-family homes and 42% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
66% of owner-occupied homes in Piermont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Piermont are owner-occupied.
Most homes in Piermont - 72% - 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.
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 | $652,900 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)