Home Insurance in Ardsley, New York
Homes in Ardsley carry a median value of $829,900 - 25% higher than the Westchester County median.
The typical home in Ardsley was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 58% of homes were built before 1960, about 6 points above Westchester County's 52%.
In Ardsley, the housing stock is 74% single-family homes and 20% apartments in buildings with 5+ units.
About 75% of owner-occupied homes in Ardsley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ardsley has an owner-occupancy rate of 81% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Ardsley - 74% - 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.
Westchester County had 8,264 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). See the full Westchester County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $829,900 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Strong Wind (Very High) |
| Active NFIP policies in Westchester County | 8,264 |
| 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)