Home Insurance in East Hampton, New York
Homes in East Hampton carry a median value of $2,000,000+.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in East Hampton was built around 1968. About 44% of homes were built before 1960, about 13 points above Suffolk County's 31%.
Housing in East Hampton breaks down to 94% single-family homes and 2% mobile or manufactured homes.
About 40% of owner-occupied homes in East Hampton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in East Hampton are owner-occupied. The vacancy rate is 64%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in East Hampton - 51% - are primarily heated with natural gas. Homes heated with propane and 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.
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 | $2,000,000+ |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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)