Bohemia has 9,181 residents in 3,179 households. We list 13 insurance agencies in Bohemia. Here is what the local numbers say about the cover people here need.

Bohemia at a glance

13insurance agencies listed
15.4%of households rentRenters insurance
$557,700median home valueHome insurance
1970median year homes were builtRebuild cost calculator
3.2%of households have no carAuto insurance
7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Suffolk County

FEMA rates the overall natural hazard risk in Suffolk County, where most Bohemia agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in New York
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Bohemia
Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in New York

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

What Bohemia agencies can write

Share of the 13 agencies listed in Bohemia that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Bohemia

How do I find an insurance agency in Bohemia?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Bohemia?

Most often life, home, auto, renters, condo. Pick a type in the filters to narrow the list.

Do I need flood insurance in Bohemia?

FEMA's National Risk Index rates coastal flooding risk in Suffolk County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Bohemia?

15.4% of households in Bohemia rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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