Home Insurance in Head of the Harbor, New York
The median home value in Head of the Harbor is $1,167,400, 102% higher than the Suffolk County median.
The typical home in Head of the Harbor was built around 1976. About 28% of homes were built before 1960, about 3 points below Suffolk County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Head of the Harbor breaks down to 99% single-family homes and 1% apartments in buildings with 5+ units.
53% of owner-occupied homes in Head of the Harbor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Head of the Harbor are owner-occupied.
In Head of the Harbor, 58% of homes are primarily heated with fuel oil. 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.
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 | $1,167,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)