Home Insurance in Hastings-on-Hudson, New York
Homes in Hastings-on-Hudson carry a median value of $865,200 - 30% higher than the Westchester County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hastings-on-Hudson was built around 1941. About 77% of homes were built before 1960, about 25 points above Westchester County's 52%.
Housing in Hastings-on-Hudson breaks down to 60% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Hastings-on-Hudson, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Hastings-on-Hudson are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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 Hastings-on-Hudson - 62% - are primarily heated with natural gas.
What's the biggest home insurance risk near Hastings-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 | $865,200 |
|---|---|
| Median year built | 1941 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)