Flood insurance cost · Delaware County, NY

Flood insurance cost in Delaware County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 526 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,558a year

Half of insured homes paid between $1,128 and $2,386. That is 19% more than the New York median ($1,313). Most insured homes here are rated in zone AE (69%).

$0$1,128 · $1,558 · $2,386$2,982

+11.9% vs Aug 31, 2025 (median $1,392)

526home policies in force

$1,914average cost (mean)

77%of insured homes in high-risk zones (A, V)

$139,500median 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 Delaware 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$1,869	$1,267–$2,747	$2,152	362 (69%)	+11.8%
Zone A High risk	$1,586	$1,318–$1,926	$1,829	41 (8%)	+6.2%
Zone X Moderate to low risk	$1,197	$1,018–$1,371	$1,226	120 (23%)	+15.9%

Not shown (fewer than 10 home policies): VE, 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 Delaware County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	467	$1,525	$1,921
2–4 unit building	41	$1,877	$1,995
Manufactured (mobile) home	18	$1,206	$1,546
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.	14	$2,498	$5,036
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	100	$4,244	$5,843

Not shown (fewer than 10 policies): condo or apartment unit.

640NFIP policies in force, any building

640insured units (condo association policies count every unit)

57%of home policies also cover contents

$60,000median contents coverage, when bought

One year on: Delaware 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, 2025	Aug 31, 2026	Change
Home policies in force	548	526	−4.0%
Median annual cost	$1,392	$1,558	+11.9%
Average annual cost	$1,762	$1,914	+8.6%
All policies in force (any building)	668	640	−4.2%

How many homes have flood insurance?

1.9%of all homes in Delaware County have an NFIP policy

22.9%of homes in high-risk zones (special flood hazard area) have one

28,660residential buildings counted by FEMA

1,772of 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 Delaware County, New York have filed 1,292 flood claims. 1,132 received a payment, for a total of $39.6 million (an average of $34,959 per paid claim). The year with the most claims was 2006 (443 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (10)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	12	10	$162,896	$16,290
2011	369	342	$16,313,665	$47,701
2010	18	15	$129,502	$8,633
2006	443	427	$18,815,428	$44,064
2005	85	70	$829,387	$11,848
2004	67	58	$1,107,541	$19,096
1996	157	115	$1,745,452	$15,178
1986	11	<10	–	–
1981	14	13	$42,997	$3,307
1979	17	13	$32,287	$2,484

From 2016 to 2026: 12 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.

Main NFIP communities in the county

Sidney (76 home policies) · Hancock (59 home policies) · Walton (56 home policies) · Colchester (51 home policies) · Middletown (44 home policies) · Deposit (40 home policies)