Home Insurance in Quogue, New York
With a median home value of $1,805,600, Quogue is 212% higher than the Suffolk County median.
The typical home in Quogue was built around 1990. About 24% of homes were built before 1960, about 7 points below Suffolk County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Quogue breaks down to 98% single-family homes and 1% mobile or manufactured homes.
In Quogue, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Quogue are owner-occupied. The vacancy rate is 80%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Quogue are primarily heated with fuel oil.
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 | $1,805,600 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)