Home Insurance in West Hampton Dunes, New York
West Hampton Dunes's median home value is $2,000,000+.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in West Hampton Dunes was built around 2001. About 5% of homes were built before 1960, about 26 points below Suffolk County's 31%.
In West Hampton Dunes, the housing stock is 100% single-family homes.
In West Hampton Dunes, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 95% of occupied homes in West Hampton Dunes are owner-occupied. The vacancy rate is 85%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In West Hampton Dunes, 52% of homes are primarily heated with propane. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near West Hampton Dunes? FEMA's National Risk Index points to winter weather (Very High) in Suffolk County and 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.
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 | $2,000,000+ |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)