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Flood insurance cost · NY

Flood insurance cost in New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 112,514 home policies in force on August 31, 2026.

New YorkPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,313a year

Half of insured homes paid between $919 and $1,874. That is 21% more than the national median ($1,082). Most insured homes here are rated in zone AE (57%).

$0$919 · $1,313 · $1,874$2,342
+11.3% vs Aug 31, 2025 (median $1,180)
112,514home policies in force
$1,590average cost (mean)
62%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Disaster declarations: see FEMA declarations and IRS tax relief in New York, county by county.

Cost by flood zone in New York

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone VE / V
High risk, coastal		$1,873$1,309–$2,969$2,3351,717 (2%)+6.1%
Zone AE
High risk		$1,660$1,140–$2,336$1,93664,626 (57%)+10.3%
Zone A
High risk		$1,298$875–$1,867$1,5382,525 (2%)+5.9%
Zone AO
High risk, shallow		$1,483$853–$2,313$1,704347 (0%)+12.0%
Zone AH
High risk, shallow		$1,244$796–$1,669$1,27175 (0%)+12.5%
Zone X
Moderate to low risk		$1,077$686–$1,308$1,04643,223 (38%)+10.1%

Not shown (fewer than 10 home policies): A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in New York, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home97,794$1,335$1,617
2–4 unit building11,270$1,371$1,578
Manufactured (mobile) home366$1,246$1,403
Condo or apartment unit3,084$637$795
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		5,345$2,646$5,405
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		9,458$3,161$4,406
127,317NFIP policies in force, any building
163,292insured units (condo association policies count every unit)
73%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: New York

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force117,097112,514−3.9%
Median annual cost$1,180$1,313+11.3%
Average annual cost$1,478$1,590+7.6%
All policies in force (any building)131,831127,317−3.4%

Flood claims history

Since 1978, NFIP policyholders in New York have filed 175,430 flood claims. 144,616 received a payment, for a total of $5.7 billion (an average of $39,760 per paid claim). The year with the most claims was 2012 (57,991 claims). Amounts are in dollars of the time, not adjusted for inflation.

020k40k60k80k1978: 4,176 claims, 3,451 paid, $10,615,712 in total1979: 10,144 claims, 8,494 paid, $26,482,469 in total19791980: 7,236 claims, 5,825 paid, $16,092,188 in total19801981: 2,484 claims, 1,839 paid, $5,826,624 in total1982: 2,086 claims, 1,382 paid, $3,235,308 in total1983: 2,684 claims, 1,731 paid, $4,702,340 in total1984: 3,898 claims, 2,226 paid, $11,522,711 in total1985: 3,624 claims, 2,496 paid, $14,769,391 in total1986: 780 claims, 507 paid, $2,732,053 in total1987: 1,052 claims, 707 paid, $4,222,774 in total1988: 261 claims, 122 paid, $439,289 in total1989: 657 claims, 273 paid, $1,438,386 in total1990: 430 claims, 251 paid, $1,884,400 in total19901991: 4,017 claims, 3,070 paid, $37,305,911 in total1992: 9,310 claims, 7,490 paid, $109,618,416 in total1993: 2,681 claims, 1,972 paid, $25,451,024 in total1994: 770 claims, 485 paid, $5,239,329 in total1995: 292 claims, 172 paid, $5,123,695 in total1996: 4,010 claims, 2,974 paid, $38,147,344 in total1997: 209 claims, 111 paid, $1,895,192 in total1998: 1,101 claims, 707 paid, $7,604,942 in total1999: 1,267 claims, 884 paid, $14,943,554 in total2000: 513 claims, 315 paid, $3,978,588 in total20002001: 334 claims, 138 paid, $1,179,494 in total2002: 293 claims, 161 paid, $1,386,114 in total2003: 621 claims, 375 paid, $3,080,281 in total2004: 1,036 claims, 759 paid, $13,074,070 in total2005: 5,711 claims, 4,669 paid, $58,432,402 in total2006: 2,773 claims, 2,462 paid, $92,888,420 in total2007: 3,080 claims, 2,611 paid, $63,339,291 in total2008: 532 claims, 361 paid, $3,968,073 in total2009: 608 claims, 445 paid, $7,174,163 in total2010: 3,082 claims, 2,211 paid, $22,656,182 in total20102011: 20,619 claims, 17,293 paid, $535,156,993 in total20112012: 57,991 claims, 54,594 paid, $4,225,738,612 in total20122013: 1,009 claims, 736 paid, $13,622,534 in total2014: 1,559 claims, 1,029 paid, $15,805,728 in total2015: 327 claims, 160 paid, $2,780,451 in total2016: 227 claims, 105 paid, $1,181,555 in total2017: 876 claims, 567 paid, $12,515,717 in total2018: 885 claims, 586 paid, $14,467,140 in total2019: 628 claims, 441 paid, $12,938,856 in total2020: 291 claims, 152 paid, $3,515,641 in total20202021: 4,059 claims, 3,314 paid, $161,295,138 in total2022: 1,355 claims, 1,088 paid, $31,846,981 in total2023: 2,345 claims, 1,833 paid, $56,730,563 in total2024: 928 claims, 679 paid, $32,503,967 in total2025: 298 claims, 222 paid, $6,171,695 in total2026: 281 claims, 141 paid, $3,167,767 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2026281141$3,167,767$22,466
2025298222$6,171,695$27,800
2024928679$32,503,967$47,870
20232,3451,833$56,730,563$30,950
20221,3551,088$31,846,981$29,271
20214,0593,314$161,295,138$48,671
2020291152$3,515,641$23,129
2019628441$12,938,856$29,340
2018885586$14,467,140$24,688
2017876567$12,515,717$22,074
2016227105$1,181,555$11,253
2015327160$2,780,451$17,378
20141,5591,029$15,805,728$15,360
20131,009736$13,622,534$18,509
201257,99154,594$4,225,738,612$77,403
201120,61917,293$535,156,993$30,946
20103,0822,211$22,656,182$10,247
2009608445$7,174,163$16,122
2008532361$3,968,073$10,992
20073,0802,611$63,339,291$24,259
20062,7732,462$92,888,420$37,729
20055,7114,669$58,432,402$12,515
20041,036759$13,074,070$17,225
2003621375$3,080,281$8,214
2002293161$1,386,114$8,609
2001334138$1,179,494$8,547
2000513315$3,978,588$12,630
19991,267884$14,943,554$16,904
19981,101707$7,604,942$10,757
1997209111$1,895,192$17,074
19964,0102,974$38,147,344$12,827
1995292172$5,123,695$29,789
1994770485$5,239,329$10,803
19932,6811,972$25,451,024$12,906
19929,3107,490$109,618,416$14,635
19914,0173,070$37,305,911$12,152
1990430251$1,884,400$7,508
1989657273$1,438,386$5,269
1988261122$439,289$3,601
19871,052707$4,222,774$5,973
1986780507$2,732,053$5,389
19853,6242,496$14,769,391$5,917
19843,8982,226$11,522,711$5,176
19832,6841,731$4,702,340$2,717
19822,0861,382$3,235,308$2,341
19812,4841,839$5,826,624$3,168
19807,2365,825$16,092,188$2,763
197910,1448,494$26,482,469$3,118
19784,1763,451$10,615,712$3,076

From 2016 to 2026: 12,173 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

Counties in New York

Counties with at least 100 NFIP home policies in force have their own page.

Other counties (fewer policies, no separate page)
CountyHome policiesMedian
Franklin County71$1,267
Fulton County74$1,498
Hamilton County57$1,427
Lewis County59$1,180
Orleans County55$794
Schuyler County34$1,144
Wyoming County75$1,554

ZIP codes with the most insured homes