Home Insurance in Irvington, New York
With a median home value of $868,100, Irvington is 31% higher than the Westchester County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Irvington was built around 1956. About 62% of homes were built before 1960, about 10 points above Westchester County's 52%.
Housing in Irvington breaks down to 57% single-family homes and 24% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Irvington, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Irvington are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Irvington 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.
The statewide average premium for a standard HO-3 homeowners policy in New York is $1,801 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $868,100 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 81% |
| 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)