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Flood insurance cost · Bronx County, NY

Flood insurance cost in Bronx County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,587 home policies in force on August 31, 2026.

Bronx County, New YorkPolicies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,166a year

Half of insured homes paid between $837 and $1,560. That is 11% less than the New York median ($1,313). Most insured homes here are rated in zone AE (66%).

$0$837 · $1,166 · $1,560$1,950
+5.2% vs Aug 31, 2025 (median $1,108)
1,587home policies in force
$1,309average cost (mean)
76%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.

Cost by flood zone in Bronx County

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		$1,581$1,145–$2,152$1,785151 (10%)+1.5%
Zone AE
High risk		$1,250$949–$1,644$1,4081,046 (66%)+2.1%
Zone X
Moderate to low risk		$787$564–$1,084$857388 (24%)+2.6%

Not shown (fewer than 10 home policies): A, AO, AH, 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 Bronx County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,024$1,211$1,357
2–4 unit building495$1,121$1,296
Condo or apartment unit68$532$682
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.		263$1,960$3,404
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		262$3,186$4,033

Not shown (fewer than 10 policies): manufactured (mobile) home.

2,112NFIP policies in force, any building
3,191insured units (condo association policies count every unit)
56%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Bronx County

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 force1,5841,587+0.2%
Median annual cost$1,108$1,166+5.2%
Average annual cost$1,265$1,309+3.5%
All policies in force (any building)2,0832,112+1.4%

How many homes have flood insurance?

2.3%of all homes in Bronx County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
81,517residential buildings counted by FEMA
0of them in high-risk zones

FEMA NFIP Residential Penetration Rates, data as of August 3, 2026: residential contracts in force divided by residential structures.

Flood claims history

Since 1978, NFIP policyholders in Bronx County, New York have filed 1,948 flood claims. 1,420 received a payment, for a total of $27.4 million (an average of $19,304 per paid claim). The year with the most claims was 2012 (547 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 26 claims, 23 paid, $56,633 in total1979: 60 claims, 48 paid, $163,815 in total1980: 113 claims, 86 paid, $185,318 in total19801981: 11 claims1982: 16 claims, 10 paid, $9,060 in total1983: 28 claims, 11 paid, $28,775 in total1984: 32 claims, 19 paid, $42,033 in total19901991: 23 claims, 19 paid, $121,701 in total1992: 249 claims, 199 paid, $2,706,775 in total19921996: 103 claims, 82 paid, $891,578 in total1999: 23 claims, 14 paid, $405,558 in total20002003: 14 claims2005: 20 claims, 12 paid, $57,617 in total2007: 61 claims, 49 paid, $640,202 in total2010: 91 claims, 67 paid, $725,974 in total20102011: 119 claims, 72 paid, $861,864 in total2012: 547 claims, 420 paid, $13,083,611 in total20122018: 18 claims, 14 paid, $222,179 in total20202021: 216 claims, 172 paid, $5,968,068 in total20212022: 10 claims2023: 43 claims, 24 paid, $643,739 in total2024: 19 claims, 10 paid, $166,284 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 (22)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20241910$166,284$16,628
20234324$643,739$26,822
202210<10––
2021216172$5,968,068$34,698
20181814$222,179$15,870
2012547420$13,083,611$31,151
201111972$861,864$11,970
20109167$725,974$10,835
20076149$640,202$13,065
20052012$57,617$4,801
200314<10––
19992314$405,558$28,968
199610382$891,578$10,873
1992249199$2,706,775$13,602
19912319$121,701$6,405
19843219$42,033$2,212
19832811$28,775$2,616
19821610$9,060$906
198111<10––
198011386$185,318$2,155
19796048$163,815$3,413
19782623$56,633$2,462

From 2016 to 2026: 306 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.

ZIP codes in Bronx County

ZIP codes with at least 300 NFIP home policies in force have their own page.

Main NFIP communities in the county

New York (1,583 home policies)