Home Insurance in Tuckahoe, New York
Homes in Tuckahoe carry a median value of $621,300 - 6% lower than the Westchester County median.
The typical home in Tuckahoe was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 14 points below Westchester County's 52%.
In Tuckahoe, the housing stock is 32% single-family homes and 49% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
54% of owner-occupied homes in Tuckahoe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tuckahoe has an owner-occupancy rate of 43% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Tuckahoe - 59% - 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.
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 | $621,300 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 43% |
| 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)