Home Insurance in Scarsdale, New York
With a median home value of $1,800,700, Scarsdale is 172% higher than the Westchester County median.
The typical home in Scarsdale was built around 1943. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 71% of homes were built before 1960, about 19 points above Westchester County's 52%.
Housing in Scarsdale breaks down to 94% single-family homes and 6% apartments in buildings with 5+ units.
66% of owner-occupied homes in Scarsdale carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Scarsdale has an owner-occupancy rate of 92% 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. 78% of homes in Scarsdale 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.
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 | $1,800,700 |
|---|---|
| Median year built | 1943 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)