HomeInsuranceQts

Home Insurance in Rye, New York

With a median home value of $1,819,900, Rye is 174% higher than the Westchester County median.

The typical home in Rye was built around 1957. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 56% of homes were built before 1960, about 4 points above Westchester County's 52%.

Housing in Rye breaks down to 68% single-family homes and 23% apartments in buildings with 5+ units.

65% of owner-occupied homes in Rye carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Rye has an owner-occupancy rate of 70% and a vacancy rate of 6%; 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. 72% of homes in Rye are primarily heated with natural gas.

Westchester County had 8,264 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Very High). 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$1,819,900
Median year built1957
Owner-occupied share70%
Share of owner-occupied homes with a mortgage65%
Top county hazardStrong Wind (Very High)
Active NFIP policies in Westchester County8,264
Home insurance premium$1,801 - statewide average (NAIC, 2023 data)
Key home insurance figures for Rye, NY

Nearby towns

Sources

Data last updated: 2026-09-29