Home Insurance in Westchester County, New York
With a median home value of $663,200, Westchester County is 56% higher than the New York median.
The typical home in Westchester County was built around 1959. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, in line with New York (52%).
Housing in Westchester County breaks down to 50% single-family homes and 35% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Westchester County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Westchester County has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Westchester County - 52% - 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.
FEMA's National Risk Index lists strong wind (Very High), inland flooding (Relatively High) and winter weather (Very High) as the leading hazards for Westchester County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Westchester County has 8,264 active NFIP flood policies on file.
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 | $663,200 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Very High), Inland Flooding (Relatively High), Winter Weather (Very High) |
| Active NFIP flood policies (county) | 8,264 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Ardsley
- Bronxville
- Buchanan
- Croton-on-Hudson
- Dobbs Ferry
- Elmsford
- Hastings-on-Hudson
- Irvington
- Mamaroneck
- Mount Vernon
- New Rochelle
- Ossining
- Peekskill
- Pelham
- Pelham Manor
- Pleasantville
- Port Chester
- Rye
- Rye Brook
- Scarsdale
- Tarrytown
- Tuckahoe
- White Plains
Smaller communities
-
Briarcliff Manor
- Median home value: $880,300
- Median year built: 1968
- Owner-occupied share: 83%
-
Harrison
- Median home value: $1,010,700
- Median year built: 1962
- Owner-occupied share: 61%
-
Larchmont
- Median home value: $1,635,500
- Median year built: 1940
- Owner-occupied share: 73%
-
Mount Kisco
- Median home value: $478,300
- Median year built: 1968
- Owner-occupied share: 71%
-
Sleepy Hollow
- Median home value: $746,800
- Median year built: 1947
- Owner-occupied share: 32%
-
Yonkers
- Median home value: $501,600
- Median year built: 1958
- Owner-occupied share: 46%
Sources
- 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)