Home Insurance in Village of the Branch, New York
With a median home value of $705,900, Village of the Branch is 22% higher than the Suffolk County median.
The typical home in Village of the Branch was built around 1967. About 29% of homes were built before 1960, about 1 point below Suffolk County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Village of the Branch, the housing stock is 97% single-family homes and 2% apartments in buildings with 5+ units.
60% of owner-occupied homes in Village of the Branch carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 99% of occupied homes in Village of the Branch are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Village of the Branch are primarily heated with fuel oil. 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.
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 | $705,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)