Home Insurance in Ossining, New York
The median home value in Ossining is $449,100, 32% lower than the Westchester County median.
The typical home in Ossining was built around 1961. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 4 points below Westchester County's 52%.
The housing stock in Ossining is 39% single-family homes, 34% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
60% of owner-occupied homes in Ossining carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ossining has an owner-occupancy rate of 51% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Ossining - 52% - 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.
FEMA rates Westchester County's overall risk as Relatively High, led by strong wind (Very High). 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 | $449,100 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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
- Upper Nyack
- Haverstraw
- Croton-on-Hudson
- Pleasantville
- Nyack
- Tarrytown
- Grand View-on-Hudson
- West Haverstraw
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)