Home Insurance in Lindenhurst, New York
The median home value in Lindenhurst is $521,500, 10% lower than the Suffolk County median.
The typical home in Lindenhurst was built around 1957. About 58% of homes were built before 1960, about 27 points above Suffolk County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lindenhurst is 84% single-family homes and 4% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 65% of owner-occupied homes in Lindenhurst have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lindenhurst has an owner-occupancy rate of 88% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Lindenhurst, 57% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Suffolk County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. 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.
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 | $521,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)