Flood insurance cost · Dutchess County, NY

Flood insurance cost in Dutchess County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,073 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,205a year

Half of insured homes paid between $841 and $1,774. That is 8% less than the New York median ($1,313). The most common flood zone for insured homes here is zone AE (41%).

$0$841 · $1,205 · $1,774$2,218

+9.0% vs Aug 31, 2025 (median $1,106)

1,073home policies in force

$1,439average cost (mean)

68%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 Dutchess 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	$1,536	$975–$2,143	$1,797	445 (41%)	+10.6%
Zone A High risk	$1,466	$1,078–$1,790	$1,490	284 (26%)	+5.0%
Zone X Moderate to low risk	$841	$585–$1,200	$939	341 (32%)	+2.1%

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 Dutchess County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	957	$1,191	$1,418
2–4 unit building	73	$1,772	$1,909
Manufactured (mobile) home	29	$1,224	$1,294
Condo or apartment unit	14	$756	$738
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.	57	$2,816	$4,763
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	124	$3,000	$4,227

1,254NFIP policies in force, any building

1,294insured units (condo association policies count every unit)

70%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: Dutchess 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	1,098	1,073	−2.3%
Median annual cost	$1,106	$1,205	+9.0%
Average annual cost	$1,322	$1,439	+8.9%
All policies in force (any building)	1,278	1,254	−1.9%

How many homes have flood insurance?

1.2%of all homes in Dutchess County have an NFIP policy

31.3%of homes in high-risk zones (special flood hazard area) have one

96,914residential buildings counted by FEMA

2,455of 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 Dutchess County, New York have filed 767 flood claims. 609 received a payment, for a total of $14.0 million (an average of $22,944 per paid claim). The year with the most claims was 2011 (216 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 (13)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2023	29	22	$1,014,766	$46,126
2022	10	<10	–	–
2021	78	68	$1,727,225	$25,400
2011	216	189	$4,533,227	$23,985
2010	10	<10	–	–
2008	21	17	$97,900	$5,759
2007	150	124	$4,172,889	$33,652
2005	59	50	$682,742	$13,655
2003	15	<10	–	–
1999	14	14	$481,393	$34,385
1996	24	17	$142,381	$8,375
1984	27	14	$101,550	$7,254
1978	10	<10	–	–

From 2016 to 2026: 117 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

Poughkeepsie (178 home policies) · East Fishkill (125 home policies) · Fishkill (99 home policies) · Hyde Park (93 home policies) · Poughkeepsie (88 home policies) · Wappinger (77 home policies)