36.9% of Stony Point’s 5,585 housing units were built in the 1960s and 70s, and 22.1% in the 1960s alone, more than in any other single decade. The median unit dates from 1970. The town also holds 339 mobile homes, 6.1% of its housing, and they need a different kind of job from everything else here.
The rest is a town of owner-occupied houses: 81.8% of units are detached and 87.6% of occupied homes are owner-occupied. 10.8% of the stock predates 1940, 17.5% is from the 1940s and 50s, 23.4% from the 1980s and 90s, with 14.4% from the 1990s alone, and 11.3% has gone up since 2000. Gas heats 84.0% of homes, oil 5.2% and electricity 6.9%.
Stony Point is the northeastern corner of Rockland County, bounded by Orange County to the north and west, the Hudson River to the east and the Town of Haverstraw to the south, and it is the most rural of the county’s five towns. Its communities are concentrated in the corridor between the Palisades Interstate Parkway and U.S. Route 9W, which runs along the river. West of the parkway the land turns into Harriman and Bear Mountain state parks and stays largely undeveloped.
The houses we insulate in Stony Point
The 1960s and 70s houses are raised ranches, split-levels and ranches, and in Stony Point they are the core of the work. The raised ranch leaks first at its rim joist, which rests on the block foundation around the whole house with little or nothing against it, and at its lower level, where a family room sits half below grade beside the garage. The split-level has a bedroom wing over the garage with open joist bays under it, and a short wall between the upper level and the attic that is almost never sealed. The ranch is one long attic of settled insulation over top plates, a chimney chase, recessed lights and bath fans that have been open to it for fifty years.
The 1990s added 14.4% of the stock and the 1980s 9.0%: colonials with filled walls, cathedral or tray ceilings, a bonus room over the garage and, often, central air with the air handler and ducts in the attic. In those houses the ducts matter in both seasons. A leaky supply run in a vented attic heats the attic in January and dumps cooled air into it in July, and sealing and insulating it is often worth more than another layer of insulation.
The 1950s built 14.5% of Stony Point: capes, weak at the knee wall, the eave and the shallow flat attic over the upstairs, and small ranches with a thin, settled attic. The 10.8% built before 1940 is where we expect balloon framing and old wiring, and we check both before a wall gets filled.
84.0% on gas makes this a gas-bill town, so the payback on sealing and insulating is counted in therms and is longer than in an oil-heated place. The stronger case is often a specific room, the lower-level family room of a raised ranch or the bonus room over a 1990s garage, and the air conditioning bill in summer, which falls with the same work.
The 339 mobile homes
A manufactured home is built in a factory with a floor, walls and roof unlike a site-built house, and it loses heat in its own ways. The floor is the big one. Under the floor joists sits a layer of insulation held up by a thin bottom board, often called the belly, and inside that belly run the heating ducts and the water lines. Over the years the bottom board tears, sags or gets opened by animals, the insulation falls out, and the ducts separate at their joints and blow heat into the crawl space under the home.
So the job starts underneath. We inspect the belly, repair or replace the torn bottom board, reconnect and seal the duct joints and the connection to the furnace, refill the belly with insulation, and seal the plumbing and wiring penetrations through the floor. The skirting around the base is part of the picture, since gaps and missing panels let wind straight under the floor. Above, the roof cavity is shallow and the walls are thin, so the gains there are mostly air sealing at windows, doors, ceiling fixtures and the marriage line where two sections of a double-wide meet.
Many manufactured homes sit in communities where the owner owns the home but not the land. Check your community’s rules before any work underneath or on the skirting starts, and we will put the scope in writing for the office if they ask.
We seal before we insulate
Insulation slows heat moving through a surface. It does nothing about air moving through a gap. Refill a mobile home’s belly and leave the ducts disconnected inside it, or blow a raised ranch’s attic full and leave its rim open, and the cold floor stays cold.
In a Stony Point raised ranch the sequence is: seal the rim joist on the block wall around the whole perimeter; seal the ceiling and shared wall of the garage; seal the top plates, chimney chase, recessed lights, bath fans and attic hatch; baffle the eaves; then insulate the attic to depth and the lower-level walls. In a mobile home it is: seal the ducts, repair the belly, seal the floor penetrations, then refill the insulation.
If a quote specifies a depth of insulation and never mentions air sealing, it is half a job.
What insulation costs in Stony Point
Most of our projects run between $3,500 and $12,500. In a raised ranch the number moves with the perimeter of rim joist, the lower-level walls and the attic area; in a 1990s colonial with central air, with the duct footage in the attic and the bonus room. A mobile home is priced on the area of belly to repair and refill and the condition of the ducts under it, and is usually toward the low end of the range.
Open cell foam runs R-3.9 to R-4.2 per inch. Closed cell runs R-6.9 to R-7.1 per inch and also acts as a vapor retarder, which is why it costs more and why it is right in some assemblies and unnecessary in others. All products are manufactured in the United States and meet applicable building code and safety standards. ENERGY STAR says sealing air leaks and adding insulation can save up to 10% on annual energy bills.
Insulation rebates in Stony Point
Stony Point’s electric and gas company is Orange & Rockland, and most of the town is on its gas lines. Because the electric company sets the program lane in New York, a Stony Point home uses what Orange & Rockland points to: NYSERDA’s Comfort Home and EmPower+ programs and its own Sealed home-upgrade program. Orange & Rockland publishes no dollar amount for its own offer; in a 2025 filing with state regulators it said it has run a contractor-installed insulation and air-sealing option since 2019 and proposed to continue it until the new regional program launches.
NYSERDA’s Comfort Home program pays $2,500 toward sealing and insulating the attic and rim joist, $3,000 if walls and floors are added, and $2,000 more toward ENERGY STAR windows, through a NYSERDA-approved Comfort Home contractor. It is for market-rate owners of one- to four-family homes who pay the System Benefits Charge on their electric bill, and its rules name manufactured homes and townhomes as eligible. Comfort Home is open in 2026. It closes when the utilities’ new weatherization programs start, planned for around January 2027, so a homeowner who wants Comfort Home money should not wait.
For income-eligible owners and renters, NYSERDA’s EmPower+ can pay for air sealing and insulation at no cost up to $14,000 for lower-income households, or half the cost up to $7,000 for moderate-income households, through an EmPower+ contractor. In Rockland County a household of four is in the no-cost tier at $97,200 or less and in the half-cost tier under $129,600.
NYSERDA’s Green Jobs–Green New York program adds unsecured loans of $1,500 to $25,000 over 5, 10 or 15 years, on the Orange & Rockland bill or as a regular monthly loan. All of these programs pay through their own participating contractors, so check eligibility and approved contractors on the MyEnergy portal before signing.
The federal Section 25C insulation credit ended for work placed in service after 31 December 2025, so there is no federal insulation credit on a 2026 job. New York has no state tax credit for insulation. Our New York and New Jersey rebate guide has every program in one place.
Code and climate in Stony Point
65.3% of Stony Point’s housing was built before 1980. New York’s first statewide energy code took effect on 1 January 1979, so the raised ranches of the 1960s and most of those from the 1970s were built before there was one. Rockland County is Climate Zone 5, the same as Orange County on the town’s northern and western lines; Westchester, across the Hudson, is Climate Zone 4.
The 2025 Energy Conservation Construction Code of New York State took effect on 31 December 2025. For a new Zone 5 house it requires R-49 ceilings, or R-38 over the whole ceiling where the full height of uncompressed R-38 extends over the wall top plate at the eaves; R-30 floors; R-15 continuous, R-19, or R-13 plus R-5 continuous on basement and crawl space walls; U-0.27 windows; and a tested 3.0 air changes per hour or less at 50 pascals.
An existing home is handled differently: unaltered parts do not have to comply, New York’s code does not require a blower door test when you insulate an existing home, and any cavity the work opens is filled to full depth. ENERGY STAR recommends R-60 for an uninsulated attic in this climate and R-49 where 3 to 4 inches are already down.
Common questions about insulation in Stony Point
Do you install insulation in Stony Point, NY?
Yes, throughout the town, in the corridor between the Palisades Interstate Parkway and Route 9W and beyond it. Most of our work here is the raised ranch, split-level and ranch of the 1960s and 70s, 36.9% of the stock, where the rim joist, the lower level and the garage ceiling leak. We also insulate the 1990s colonials with ducts in the attic, the 1950s capes, and the undersides of the town’s 339 mobile homes.
How much does insulation cost in Stony Point?
Most projects run $3,500 to $12,500. In a raised ranch the drivers are the length of rim joist to seal, the lower-level walls and the size of the attic. In a 1990s colonial it is the duct footage in the attic and the bonus room over the garage. A mobile home is priced on the belly area to repair and refill and the ducts inside it, and usually sits toward the low end. You get a written scope after a free walk-through.
Are there insulation rebates in Stony Point?
Yes. Stony Point is Orange & Rockland territory, so market-rate homes, manufactured homes included, can use NYSERDA’s Comfort Home program: $2,500 for sealing and insulating the attic and rim joist, or $3,000 with walls and floors, through a NYSERDA-approved Comfort Home contractor, until it closes when new utility programs start around January 2027. EmPower+ serves income-eligible households. The federal 25C credit ended after 31 December 2025, and New York has no state tax credit for insulation.
We own a mobile home in Stony Point and the floor is always cold. What fixes it?
Almost always the belly. The thin bottom board under the floor tears or sags, the insulation above it falls out, and the heating ducts inside it come apart at the joints, so warm air blows into the space under the home. We repair or replace the bottom board, reconnect and seal the ducts, refill the insulation and seal the pipe and wire holes through the floor. Gaps in the skirting get closed too. Check your community’s rules first if you lease the lot.
Free energy audit in Stony Point
In a raised ranch or split-level we go around the rim joist, into the lower level and garage, and up into the attic. In a 1990s house we follow the ducts through the attic and check the bonus room. In a mobile home we go under it: the bottom board, the ducts and their connections, the skirting and the floor penetrations. Then a written scope and a price. No charge, no obligation.
Call 914-554-2289 or use the contact form. Open 8am–8pm, seven days. We are a family-owned company working out of New Rochelle, NY with a 100-plus in-house crew.
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