Home Insurance in Port Jefferson, New York
The median home value in Port Jefferson is $655,800, 13% higher than the Suffolk County median.
The typical home in Port Jefferson was built around 1972. About 31% of homes were built before 1960, in line with Suffolk County (31%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Port Jefferson is 77% single-family homes and 14% apartments in buildings with 5+ units.
In Port Jefferson, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 72% of occupied homes in Port Jefferson are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Port Jefferson, 52% 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.
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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in New York carries a statewide average premium of $1,801 per year.
Key figures
| Median home value | $655,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
- Poquott
- Old Field
- Head of the Harbor
- Lake Grove
- Shoreham
- Village of the Branch
- 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)