Home Insurance in Old Field, New York
With a median home value of $1,318,500, Old Field is 128% higher than the Suffolk County median.
The typical home in Old Field was built around 1970. About 27% of homes were built before 1960, about 4 points below Suffolk County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Old Field is 100% single-family homes.
49% of owner-occupied homes in Old Field carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Old Field are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Old Field, 49% of homes are primarily heated with fuel oil.
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.
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 | $1,318,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| 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
- Poquott
- Belle Terre
- Port Jefferson
- Head of the Harbor
- Lake Grove
- Village of the Branch
- Shoreham
- Northport
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)