Home Insurance in Poquott, New York
With a median home value of $826,500, Poquott is 43% higher than the Suffolk County median.
The typical home in Poquott was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 14 points above Suffolk County's 31%.
In Poquott, the housing stock is 100% single-family homes.
About 59% of owner-occupied homes in Poquott have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 87% of occupied homes in Poquott are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Poquott - 61% - 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.
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.
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 | $826,500 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 87% |
| 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
- Belle Terre
- Port Jefferson
- Old Field
- Head of the Harbor
- Lake Grove
- Village of the Branch
- Shoreham
- Patchogue
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)