Home Insurance in Greenport, New York
With a median home value of $961,200, Greenport is 66% higher than the Suffolk County median.
The median home in Greenport was built in 1939 or earlier. About 71% of homes were built before 1960, about 40 points above Suffolk County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Greenport, the housing stock is 64% single-family homes and 10% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 49% of owner-occupied homes in Greenport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Greenport has an owner-occupancy rate of 46% and a vacancy rate of 31%; unoccupied homes typically need a different coverage form.
Most homes in Greenport - 67% - 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.
FEMA rates Suffolk County's overall risk as Relatively High, led by winter weather (Very High). 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 | $961,200 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)