Home Insurance in Northport, New York
With a median home value of $745,300, Northport is 29% higher than the Suffolk County median.
The typical home in Northport was built around 1957. About 55% of homes were built before 1960, about 25 points above Suffolk County's 31%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Northport breaks down to 84% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 59% of owner-occupied homes in Northport have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Northport are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Northport - 60% - are primarily heated with natural gas.
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 | $745,300 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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
- Asharoken
- Huntington Bay
- Lloyd Harbor
- Laurel Hollow
- Cove Neck
- Oyster Bay Cove
- Village of the Branch
- Centre Island
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)