Valley Stream has 40,315 residents in 12,340 households. We list 3 agencies for home insurance in Valley Stream. Here is what the local numbers say about the cover people here need.

Valley Stream at a glance

3home insurance agencies listed
21.3%of households rentRenters insurance
$616,100median home valueHome insurance
1951median year homes were builtRebuild cost calculator
5.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Nassau County

FEMA rates the overall natural hazard risk in Nassau County, where most Valley Stream agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Ice stormVery High
Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in New York
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Valley Stream
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in New York

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Where Valley Stream agencies are

Valley Stream agencies we list sit in 2 ZIP codes, mostly in Nassau County.

115802 agencies
115811 agency

Questions

Home insurance in Valley Stream

All insurance agencies in Valley Stream · Home insurance across New York

Where can I find home insurance in Valley Stream?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Valley Stream?

FEMA's National Risk Index rates coastal flooding risk in Nassau County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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