Home Insurance in Kingston, New York
With a median home value of $315,500, Kingston is 10% lower than the Ulster County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Kingston was built in 1939 or earlier. About 75% of homes were built before 1960, about 31 points above Ulster County's 44%.
Housing in Kingston breaks down to 46% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Kingston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 48% of occupied homes in Kingston are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kingston, 57% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Kingston? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Ulster County and Ulster County had 1,031 active NFIP flood policies as of September 2026. See the full Ulster County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $315,500 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Ulster County | 1,031 |
| 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)