Home Insurance in Shoreham, New York
The median home value in Shoreham is $709,700, 23% higher than the Suffolk County median.
The typical home in Shoreham was built around 1951. About 61% of homes were built before 1960, about 30 points above Suffolk County's 31%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Shoreham is 98% single-family homes.
68% of owner-occupied homes in Shoreham carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 98% of occupied homes in Shoreham are owner-occupied. The vacancy rate is 28%; 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. 82% of homes in Shoreham are primarily heated with fuel oil.
Suffolk County had 28,345 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Very High). See the full Suffolk County home insurance overview for all FEMA hazard ratings and flood coverage details.
In New York, the statewide average premium for a standard HO-3 homeowners policy is $1,801 per year (NAIC, 2023 data).
Key figures
| Median home value | $709,700 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)