Home Insurance in Brightwaters, New York
The median home value in Brightwaters is $768,600, 33% 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 Brightwaters was built around 1945. About 79% of homes were built before 1960, about 48 points above Suffolk County's 31%.
Housing in Brightwaters breaks down to 97% single-family homes and 1% apartments in buildings with 5+ units.
About 76% of owner-occupied homes in Brightwaters have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 96% of occupied homes in Brightwaters are owner-occupied.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Brightwaters, 68% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Brightwaters? 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.
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 | $768,600 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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
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)