Home Insurance in Woodridge, New York
Homes in Woodridge carry a median value of $207,300 - 17% lower than the Sullivan County median.
The typical home in Woodridge was built around 1987. About 19% of homes were built before 1960, about 18 points below Sullivan County's 37%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Woodridge, the housing stock is 78% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
61% of owner-occupied homes in Woodridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodridge has an owner-occupancy rate of 46% and a vacancy rate of 61%; unoccupied homes typically need a different coverage form.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 41% of homes in Woodridge are primarily heated with fuel oil.
FEMA rates Sullivan County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Sullivan County had 402 active NFIP flood policies as of September 2026. See the full Sullivan County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $207,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Sullivan County | 402 |
| 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)