Home Insurance in Spring Valley, New York
The median home value in Spring Valley is $381,800, 36% lower than the Rockland County median.
The typical home in Spring Valley was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 10 points below Rockland County's 28%.
Housing in Spring Valley breaks down to 22% single-family homes, 58% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
68% of owner-occupied homes in Spring Valley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Spring Valley has an owner-occupancy rate of 25% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Spring Valley - 72% - are primarily heated with natural gas.
What's the biggest home insurance risk near Spring Valley? FEMA's National Risk Index points to strong wind (Relatively High) in Rockland County and 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 | $381,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 25% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)