Home Insurance in Rye Brook, New York
With a median home value of $1,016,100, Rye Brook is 53% higher than the Westchester County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Rye Brook was built around 1965. About 39% of homes were built before 1960, about 13 points below Westchester County's 52%.
Housing in Rye Brook breaks down to 82% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Rye Brook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Rye Brook 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. 64% of homes in Rye Brook 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 | $1,016,100 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 85% |
| 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)