Home Insurance in Bronxville, New York
With a median home value of $1,095,100, Bronxville is 65% higher than the Westchester County median.
The median home in Bronxville was built in 1939 or earlier. About 88% of homes were built before 1960, about 36 points above Westchester County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bronxville, the housing stock is 41% single-family homes and 54% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in Bronxville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bronxville has an owner-occupancy rate of 84% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Bronxville - 60% - 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's top FEMA-rated hazard is strong wind (Very High), per FEMA's National Risk Index. Westchester County had 8,264 active NFIP flood policies as of September 2026. See the full Westchester 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 | $1,095,100 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)