Home Insurance in Elmsford, New York
With a median home value of $641,700, Elmsford is close to the Westchester County median.
The typical home in Elmsford was built around 1963. About 45% of homes were built before 1960, about 7 points below Westchester County's 52%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Elmsford, the housing stock is 54% single-family homes and 26% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
61% of owner-occupied homes in Elmsford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Elmsford has an owner-occupancy rate of 54% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Elmsford - 51% - are primarily heated with natural gas.
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 | $641,700 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)