Home Insurance in Bellport, New York
Homes in Bellport carry a median value of $712,700 - 23% higher than the Suffolk County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellport was built around 1957. About 56% of homes were built before 1960, about 26 points above Suffolk County's 31%.
Housing in Bellport breaks down to 96% single-family homes and 1% apartments in buildings with 5+ units.
In Bellport, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Bellport are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bellport - 60% - 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.
What's the biggest home insurance risk near Bellport? FEMA's National Risk Index points to winter weather (Very High) in Suffolk County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $712,700 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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
- Patchogue
- Lake Grove
- West Hampton Dunes
- Ocean Beach
- Shoreham
- Port Jefferson
- Village of the Branch
- Head of the Harbor
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)