Home Insurance in Suffolk County, New York
With a median home value of $578,400, Suffolk County is 36% higher than the New York median.
The typical home in Suffolk County was built around 1970. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 31% of homes were built before 1960, about 21 points below New York's 52%.
Housing in Suffolk County breaks down to 86% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 62% of owner-occupied homes in Suffolk County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Suffolk County has an owner-occupancy rate of 82% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
44% of homes in Suffolk County are primarily heated with fuel oil. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Suffolk County's top hazards are winter weather (Very High), coastal flooding (Very High) and inland flooding (Relatively High).
Suffolk County had 28,345 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $578,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Coastal Flooding (Very High), Inland Flooding (Relatively High) |
| Active NFIP flood policies (county) | 28,345 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Towns and cities
- Amityville
- Asharoken
- Babylon
- Belle Terre
- Bellport
- Brightwaters
- Dering Harbor
- East Hampton
- Greenport
- Head of the Harbor
- Huntington Bay
- Lake Grove
- Lindenhurst
- Lloyd Harbor
- Northport
- Ocean Beach
- Old Field
- Patchogue
- Poquott
- Port Jefferson
- Quogue
- Sag Harbor
- Sagaponack
- Saltaire
- Shoreham
- Southampton
- Village of the Branch
- West Hampton Dunes
Smaller communities
-
Islandia
- Median home value: $477,400
- Median year built: 1969
- Owner-occupied share: 96%
-
Nissequogue
- Median home value: $1,121,000
- Median year built: 1977
- Owner-occupied share: 88%
-
North Haven
- Median home value: $1,916,700
- Median year built: 1989
- Owner-occupied share: 92%
-
Westhampton Beach
- Median home value: $1,117,000
- Median year built: 1981
- Owner-occupied share: 86%
Sources
- 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)