Home Insurance in Southampton, New York
Homes in Southampton carry a median value of $2,000,000+.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Southampton was built around 1985. About 31% of homes were built before 1960, in line with Suffolk County (31%).
The housing stock in Southampton is 90% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Southampton, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Southampton has an owner-occupancy rate of 84% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Southampton - 58% - are primarily heated with natural gas.
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.
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 | $2,000,000+ |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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)