Home Insurance in Croton-on-Hudson, New York
Homes in Croton-on-Hudson carry a median value of $712,900 - 7% higher than the Westchester County median.
The typical home in Croton-on-Hudson was built around 1957. About 57% of homes were built before 1960, about 5 points above Westchester County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Croton-on-Hudson, the housing stock is 80% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
64% of owner-occupied homes in Croton-on-Hudson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Croton-on-Hudson has an owner-occupancy rate of 80% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
55% of homes in Croton-on-Hudson 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 Croton-on-Hudson? FEMA's National Risk Index points to strong wind (Very High) in Westchester County and 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.
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 | $712,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)