Home Insurance in Tarrytown, New York
Homes in Tarrytown carry a median value of $685,300 - close to the Westchester County median.
The typical home in Tarrytown was built around 1955. About 59% of homes were built before 1960, about 6 points above Westchester County's 52%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Tarrytown is 39% single-family homes and 38% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Tarrytown, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 57% of occupied homes in Tarrytown are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tarrytown - 69% - 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.
What's the biggest home insurance risk near Tarrytown? FEMA's National Risk Index points to strong wind (Very High) in Westchester County and 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 | $685,300 |
|---|---|
| Median year built | 1955 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)