Homeowners Insurance in New York City, NY
For a home at New York City's median value of $777,600, we estimate about $2,955 a year — +64% versus the New York NAIC average of $1,801.
These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate
Estimated homeowners insurance cost in New York City
Est. premium
$2,955
$246/mo · median home
Median home value
$777,600
New York: $423,800
Median year built
1952
Census ACS
Owner-occupied
32.8%
of households
Hazard score
90.9
state ref. 89.3
New York City's estimate reflects its home values (83% higher than the state median) and FEMA's hazard profile for Kings County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.
Natural hazard risk in New York City
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 95.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 94.2 | Comprehensive; dwelling | |
| Hurricane | 97.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.4 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 87.2 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 99.8 | Comprehensive; dwelling | |
| Winter weather | 99.9 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 38.6 | Comprehensive; dwelling | |
| Earthquake | 98.6 | Home needs a separate earthquake policy | |
| Lightning | 98.0 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in New York City
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $995 | $915 |
| $300,000 | $1,380 | $1,270 |
| $500,000 | $2,075 | $1,910 |
| $750,000 | $2,870 | $2,640 |
Home Insurance Estimator
Estimated annual premium
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Per month
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Homeowners insurance by ZIP code in New York City
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 11368 | $742,900 | 23.1% | $2,850 |
| 11208 | $679,500 | 24.9% | $2,655 |
| 11385 | $861,500 | 30.7% | $3,205 |
| 11373 | $698,200 | 26.7% | $2,710 |
| 10467 | $415,200 | 14.2% | $1,790 |
| 11226 | $876,600 | 14.0% | $3,250 |
| 11219 | $1,137,300 | 25.0% | $4,005 |
| 10314 | $682,300 | 72.9% | $2,660 |
| 11207 | $656,600 | 25.9% | $2,580 |
| 10025 | $1,106,900 | 31.1% | $3,920 |
| 11206 | $839,800 | 11.1% | $3,140 |
| 11221 | $1,090,100 | 21.2% | $3,870 |
| 11220 | $1,029,200 | 26.7% | $3,700 |
| 11214 | $990,900 | 34.6% | $3,585 |
| 11212 | $570,200 | 13.2% | $2,305 |
| 11236 | $743,100 | 51.6% | $2,850 |
| 10456 | $361,200 | 6.9% | $1,600 |
| 11230 | $874,500 | 28.4% | $3,245 |
| 11234 | $795,100 | 68.3% | $3,010 |
| 11233 | $990,400 | 23.7% | $3,585 |
| 11377 | $727,200 | 29.5% | $2,800 |
| 11355 | $674,600 | 33.4% | $2,635 |
| 11204 | $1,098,600 | 34.5% | $3,895 |
| 10457 | $486,000 | 5.2% | $2,030 |
| 11235 | $721,100 | 34.8% | $2,780 |
| 11229 | $818,900 | 46.9% | $3,080 |
| 11223 | $1,067,400 | 36.1% | $3,805 |
| 10029 | $892,200 | 7.2% | $3,300 |
| 10002 | $827,800 | 18.7% | $3,105 |
| 11375 | $552,400 | 50.5% | $2,250 |
| 10462 | $349,000 | 23.5% | $1,555 |
| 10453 | $674,800 | 4.8% | $2,640 |
| 10452 | $197,100 | 3.3% | $985 |
| 10468 | $239,900 | 8.5% | $1,155 |
| 10458 | $520,800 | 4.2% | $2,145 |
| 11203 | $720,400 | 39.6% | $2,780 |
| 11218 | $935,900 | 39.0% | $3,425 |
| 10466 | $616,800 | 39.9% | $2,455 |
| 11209 | $872,100 | 36.2% | $3,240 |
| 11201 | $1,110,700 | 35.9% | $3,930 |
| 11215 | $1,622,300 | 42.3% | $5,320 |
| 10463 | $387,600 | 35.4% | $1,695 |
| 10023 | $1,358,100 | 38.1% | $4,615 |
| 11691 | $677,000 | 27.7% | $2,645 |
| 11213 | $1,094,700 | 16.8% | $3,885 |
| 10469 | $665,400 | 50.7% | $2,610 |
| 11434 | $626,400 | 47.5% | $2,485 |
| 11211 | $1,140,700 | 17.2% | $4,015 |
| 11372 | $469,400 | 36.7% | $1,975 |
| 10472 | $666,600 | 16.4% | $2,610 |
| 10027 | $899,600 | 17.4% | $3,320 |
| 10312 | $723,600 | 82.5% | $2,790 |
| 10024 | $1,687,800 | 37.1% | $5,495 |
| 11432 | $864,900 | 35.8% | $3,215 |
| 10031 | $609,700 | 14.1% | $2,430 |
| 11216 | $1,293,700 | 21.3% | $4,440 |
| 10009 | $712,700 | 10.4% | $2,755 |
| 10460 | $662,800 | 9.4% | $2,600 |
| 10473 | $576,100 | 28.6% | $2,325 |
| 11238 | $1,099,700 | 27.7% | $3,900 |
| 11225 | $1,217,400 | 19.7% | $4,230 |
| 10128 | $1,442,000 | 31.1% | $4,845 |
| 11210 | $838,000 | 44.2% | $3,135 |
| 10306 | $693,900 | 69.3% | $2,695 |
| 11435 | $547,200 | 36.0% | $2,230 |
| 10032 | $606,500 | 8.5% | $2,420 |
| 10033 | $695,000 | 15.8% | $2,700 |
| 10003 | $1,123,200 | 37.1% | $3,965 |
| 11354 | $563,200 | 42.4% | $2,285 |
| 10016 | $905,000 | 25.1% | $3,335 |
| 10461 | $663,500 | 29.7% | $2,600 |
| 11205 | $917,400 | 28.1% | $3,375 |
| 10451 | $288,500 | 13.6% | $1,335 |
| 11224 | $523,900 | 27.3% | $2,155 |
| 11420 | $707,200 | 72.1% | $2,740 |
| 10028 | $1,602,600 | 38.5% | $5,270 |
| 10011 | $1,181,200 | 35.9% | $4,130 |
| 10459 | $582,000 | 10.3% | $2,345 |
| 11249 | $1,478,400 | 16.6% | $4,940 |
| 11419 | $709,500 | 61.8% | $2,745 |
| 11374 | $473,300 | 41.8% | $1,985 |
| 11413 | $656,000 | 73.6% | $2,580 |
| 10304 | $678,700 | 49.2% | $2,650 |
| 10465 | $625,800 | 56.6% | $2,485 |
| 11237 | $1,084,600 | 12.2% | $3,855 |
| 10019 | $1,061,300 | 20.8% | $3,790 |
| 10455 | $320,500 | 9.1% | $1,455 |
| 11217 | $1,636,500 | 27.8% | $5,360 |
| 11357 | $922,000 | 77.6% | $3,385 |
| 11222 | $1,376,300 | 18.1% | $4,665 |
| 10475 | $33,200 | 42.5% | $235 |
| 11365 | $922,200 | 46.4% | $3,385 |
| 11228 | $1,145,700 | 55.8% | $4,030 |
| 11101 | $971,300 | 15.2% | $3,530 |
| 10305 | $643,500 | 64.9% | $2,540 |
| 10301 | $684,700 | 45.8% | $2,670 |
| 11106 | $610,400 | 16.6% | $2,435 |
| 11367 | $493,900 | 50.5% | $2,055 |
| 11421 | $688,100 | 54.8% | $2,680 |
| 10040 | $464,400 | 15.9% | $1,955 |
| 10021 | $1,377,500 | 44.7% | $4,670 |
| 11412 | $647,400 | 71.8% | $2,550 |
| 10454 | $792,000 | 6.8% | $3,000 |
| 10035 | $665,800 | 11.0% | $2,610 |
| 11231 | $1,611,200 | 30.5% | $5,290 |
| 11105 | $1,081,200 | 25.5% | $3,845 |
| 11433 | $658,800 | 47.4% | $2,590 |
| 10034 | $519,700 | 11.6% | $2,140 |
| 11358 | $973,600 | 58.3% | $3,535 |
| 10026 | $1,052,300 | 23.5% | $3,765 |
| 11379 | $891,300 | 60.1% | $3,295 |
| 11378 | $834,100 | 55.4% | $3,125 |
| 11418 | $788,500 | 48.2% | $2,990 |
| 11364 | $806,300 | 70.6% | $3,040 |
| 11103 | $1,002,200 | 16.2% | $3,620 |
| 11369 | $736,300 | 50.8% | $2,830 |
| 10309 | $767,200 | 76.3% | $2,925 |
| 10022 | $1,108,200 | 52.0% | $3,925 |
| 11422 | $665,500 | 67.7% | $2,610 |
| 10039 | $497,600 | 13.7% | $2,065 |
| 11414 | $660,500 | 73.1% | $2,595 |
| 10036 | $952,900 | 10.5% | $3,475 |
| 10065 | $1,419,800 | 36.2% | $4,785 |
| 10010 | $1,036,200 | 27.9% | $3,720 |
| 11417 | $746,100 | 58.3% | $2,860 |
| 10308 | $656,400 | 79.8% | $2,580 |
| 10001 | $561,100 | 24.1% | $2,275 |
| 11370 | $851,300 | 46.5% | $3,175 |
| 11361 | $918,700 | 58.9% | $3,375 |
| 10030 | $844,000 | 13.6% | $3,155 |
| 10014 | $1,284,100 | 30.4% | $4,415 |
| 11423 | $732,900 | 55.7% | $2,820 |
| 11102 | $719,200 | 13.4% | $2,775 |
| 11232 | $941,300 | 26.7% | $3,445 |
| 10013 | $2,000,001 | 30.1% | $6,290 |
| 11429 | $668,100 | 72.7% | $2,615 |
| 10303 | $486,400 | 65.2% | $2,030 |
| 11104 | $610,100 | 20.4% | $2,435 |
| 11416 | $740,500 | 48.7% | $2,840 |
| 11356 | $909,200 | 49.8% | $3,350 |
| 10310 | $633,400 | 59.5% | $2,510 |
| 11427 | $703,600 | 63.0% | $2,730 |
| 10471 | $414,000 | 59.4% | $1,785 |
| 11692 | $710,400 | 33.1% | $2,750 |
| 11436 | $639,900 | 65.1% | $2,530 |
| 10038 | $921,900 | 31.6% | $3,385 |
| 10075 | $991,900 | 45.1% | $3,590 |
| 11694 | $884,300 | 51.5% | $3,275 |
| 10012 | $1,602,800 | 22.5% | $5,270 |
| 11415 | $367,400 | 44.5% | $1,620 |
| 11411 | $646,800 | 84.7% | $2,550 |
| 11360 | $685,700 | 76.4% | $2,670 |
| 11426 | $708,200 | 70.2% | $2,740 |
| 10302 | $611,900 | 55.1% | $2,440 |
| 11428 | $684,300 | 73.4% | $2,670 |
| 11362 | $530,800 | 75.1% | $2,175 |
| 11239 | $573,300 | 9.2% | $2,315 |
| 10470 | $497,700 | 43.4% | $2,070 |
| 10307 | $801,300 | 84.2% | $3,025 |
| 10017 | $756,600 | 31.8% | $2,890 |
| 11004 | $697,100 | 72.2% | $2,705 |
| 11366 | $967,400 | 72.5% | $3,520 |
| 11693 | $433,100 | 48.8% | $1,850 |
| 10044 | $1,034,100 | 18.9% | $3,710 |
| 10474 | $333,300 | 10.2% | $1,500 |
| 10005 | $1,390,600 | 17.6% | $4,705 |
| 10280 | $976,300 | 34.4% | $3,545 |
| 10018 | $1,044,800 | 11.1% | $3,740 |
| 11109 | $525,300 | 18.6% | $2,160 |
| 10007 | $2,000,001 | 30.4% | $6,290 |
| 11363 | $1,053,800 | 73.2% | $3,770 |
| 10069 | $2,000,001 | 28.4% | $6,290 |
| 10282 | $2,000,001 | 10.6% | $6,290 |
| 11697 | $720,200 | 99.2% | $2,780 |
| 10006 | $1,090,300 | 15.7% | $3,870 |
| 10464 | $656,400 | 74.3% | $2,580 |
| 10004 | $1,477,700 | 43.2% | $4,940 |
| 11005 | $622,400 | 94.5% | $2,475 |
Homeowners insurance in New York · Car insurance in New York City · Insurance offices near New York City
Frequently asked questions
How much is homeowners insurance in New York City?
For a home at New York City's median value of $777,600, we estimate about $2,955 a year for a standard HO-3 policy with a $1,000 deductible. The New York NAIC average is $1,801.
What are the biggest natural hazards in New York City?
FEMA's National Risk Index rates Kings County relatively high or very high for hail, tornado, hurricane, inland (river) flooding, coastal flooding, strong wind, winter weather, earthquake, and lightning.
Does the age of homes in New York City affect insurance?
Yes. The median home in New York City was built in 1952 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for New York, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Kings County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
Sources used on this page
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Kings County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)