Homeowners Insurance in Yonkers, NY

For a home at Yonkers's median value of $501,600, we estimate about $1,975 a year — +10% 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 Yonkers

Est. premium

$1,975

$165/mo · median home

Median home value

$501,600

New York: $423,800

Median year built

1958

Census ACS

Owner-occupied

46.2%

of households

Hazard score

82.4

state ref. 89.3

Yonkers's estimate reflects its home values (18% higher than the state median) and FEMA's hazard profile for Westchester County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Yonkers

FEMA National Risk Index — Westchester County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	32.6	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	72.7	Comprehensive; dwelling
Hurricane	Relatively High	93.6	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	98.0	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Moderate	80.8	Comprehensive; home needs a separate flood policy
Strong wind	Very High	99.1	Comprehensive; dwelling
Winter weather	Very High	97.8	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	56.7	Comprehensive; dwelling
Earthquake	Relatively Moderate	94.8	Home needs a separate earthquake policy
Lightning	Very High	97.6	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 Yonkers

Dwelling value	Wood frame	Brick / masonry
$200,000	$945	$870
$300,000	$1,310	$1,205
$500,000	$1,970	$1,815
$750,000	$2,725	$2,505

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Yonkers

ZIP	Median home value	Owner-occupied	Est. premium
10701	$370,400	26.7%	$1,550
10705	$505,400	36.8%	$1,985
10704	$526,800	60.9%	$2,055
10710	$560,000	70.7%	$2,155
10703	$527,600	50.7%	$2,055
10708	$511,200	75.5%	$2,005
10707	$773,200	55.7%	$2,795

Homeowners insurance in New York · Car insurance in Yonkers · Insurance offices near Yonkers

Frequently asked questions

How much is homeowners insurance in Yonkers?

For a home at Yonkers's median value of $501,600, we estimate about $1,975 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 Yonkers?

FEMA's National Risk Index rates Westchester County relatively high or very high for hurricane, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Yonkers affect insurance?

Yes. The median home in Yonkers was built in 1958 (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 Westchester County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page