Home Insurance in Saltaire, New York
The typical home in Saltaire was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 12 points above Suffolk County's 31%.
Housing in Saltaire breaks down to 96% single-family homes and 2% apartments in buildings with 5+ units.
Almost no owner-occupied homes in Saltaire carry a mortgage.
Saltaire has an owner-occupancy rate of 100% and a vacancy rate of 100%; unoccupied homes typically need a different coverage form.
In Saltaire, 100% of homes are primarily heated with natural gas.
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 year built | 1964 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 0% |
| 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)