Home Insurance in Belle Terre, New York
With a median home value of $1,090,400, Belle Terre is 89% higher than the Suffolk County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Belle Terre was built around 1964. About 40% of homes were built before 1960, about 10 points above Suffolk County's 31%.
The housing stock in Belle Terre is 100% single-family homes.
In Belle Terre, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Belle Terre are owner-occupied.
Most homes in Belle Terre - 58% - 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.
Suffolk County had 28,345 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Suffolk County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $1,090,400 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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
- Poquott
- Port Jefferson
- Old Field
- Head of the Harbor
- Lake Grove
- Shoreham
- Village of the Branch
- Patchogue
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)