Home Insurance in Asharoken, New York
With a median home value of $1,244,400, Asharoken is 115% higher than the Suffolk County median.
The typical home in Asharoken was built around 1963. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 46% of homes were built before 1960, about 16 points above Suffolk County's 31%.
In Asharoken, the housing stock is 97% single-family homes.
About 65% of owner-occupied homes in Asharoken have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Asharoken are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Asharoken - 54% - are primarily heated with natural gas.
Suffolk County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Suffolk County had 28,345 active NFIP flood policies as of September 2026. See the full Suffolk County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $1,244,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Suffolk County | 28,345 |
| Home insurance premium | $1,801 - statewide average (NAIC, 2023 data) |
Nearby towns
- Huntington Bay
- Northport
- Lloyd Harbor
- Cove Neck
- Laurel Hollow
- Centre Island
- Oyster Bay Cove
- Bayville
Sources
Data last updated: 2026-09-29
- 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)