Home Insurance in Upper Nyack, New York
The median home value in Upper Nyack is $719,000, 20% higher than the Rockland County median.
The typical home in Upper Nyack was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 57% of homes were built before 1960, about 29 points above Rockland County's 28%.
In Upper Nyack, the housing stock is 92% single-family homes and 1% apartments in buildings with 5+ units.
63% of owner-occupied homes in Upper Nyack carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Upper Nyack are owner-occupied.
In Upper Nyack, 91% of homes 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.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $719,000 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)