Flood insurance cost · Kings County, NY
Flood insurance cost in Kings County, New York
What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,892 home policies in force on August 31, 2026.
Median annual cost of NFIP flood insurance for a home
$1,080a year
Half of insured homes paid between $712 and $1,385. That is 18% less than the New York median ($1,313). Most insured homes here are rated in zone X (66%).
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 Kings 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 | $1,312 | $1,012–$1,888 | $1,565 | 2,319 (34%) | +3.7% |
| Zone X Moderate to low risk | $930 | $616–$1,233 | $956 | 4,573 (66%) | +2.2% |
Not shown (fewer than 10 home policies): VE, 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 Kings County, by what they insure.
| Type of building | Policies | Median | Average |
|---|---|---|---|
| Single-family home | 4,057 | $1,126 | $1,207 |
| 2–4 unit building | 2,303 | $1,105 | $1,198 |
| Condo or apartment unit | 532 | $562 | $649 |
| 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. | 1,131 | $2,517 | $4,941 |
| Non-residential building or unit Businesses, churches, farm buildings and other non-residential property. | 1,059 | $3,377 | $4,458 |
Not shown (fewer than 10 policies): manufactured (mobile) home.
One year on: Kings 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 | 7,203 | 6,892 | −4.3% |
| Median annual cost | $1,024 | $1,080 | +5.5% |
| Average annual cost | $1,088 | $1,161 | +6.7% |
| All policies in force (any building) | 9,289 | 9,082 | −2.2% |
How many homes have flood insurance?
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 Kings County, New York have filed 6,327 flood claims. 5,226 received a payment, for a total of $330.1 million (an average of $63,157 per paid claim). The year with the most claims was 2012 (3,586 claims). Amounts are in dollars of the time, not adjusted for inflation.
All years with at least 10 claims (37)
Swipe the table sideways to see all columns.
| Year of loss | Claims | Paid claims | Total paid | Average per paid claim |
|---|---|---|---|---|
| 2026 | 24 | <10 | – | – |
| 2025 | 32 | 27 | $546,947 | $20,257 |
| 2024 | 16 | <10 | – | – |
| 2023 | 220 | 147 | $3,895,817 | $26,502 |
| 2022 | 49 | 32 | $971,823 | $30,369 |
| 2021 | 300 | 199 | $6,527,978 | $32,804 |
| 2020 | 22 | <10 | – | – |
| 2019 | 10 | <10 | – | – |
| 2018 | 25 | 12 | $136,148 | $11,346 |
| 2017 | 15 | <10 | – | – |
| 2016 | 20 | 12 | $23,860 | $1,988 |
| 2015 | 20 | <10 | – | – |
| 2014 | 41 | 21 | $277,786 | $13,228 |
| 2013 | 16 | <10 | – | – |
| 2012 | 3,586 | 3,407 | $307,042,474 | $90,121 |
| 2011 | 298 | 211 | $2,764,849 | $13,104 |
| 2010 | 24 | 11 | $80,503 | $7,318 |
| 2009 | 13 | <10 | – | – |
| 2008 | 15 | <10 | – | – |
| 2007 | 23 | 12 | $77,591 | $6,466 |
| 2005 | 13 | <10 | – | – |
| 2004 | 16 | 11 | $61,504 | $5,591 |
| 1999 | 13 | <10 | – | – |
| 1998 | 14 | <10 | – | – |
| 1996 | 69 | 35 | $657,318 | $18,781 |
| 1993 | 16 | 12 | $138,594 | $11,550 |
| 1992 | 287 | 223 | $3,416,627 | $15,321 |
| 1991 | 21 | 11 | $69,891 | $6,354 |
| 1987 | 13 | <10 | – | – |
| 1985 | 13 | <10 | – | – |
| 1984 | 82 | 43 | $405,170 | $9,423 |
| 1983 | 108 | 66 | $261,883 | $3,968 |
| 1982 | 65 | 31 | $76,161 | $2,457 |
| 1981 | 128 | 92 | $337,438 | $3,668 |
| 1980 | 319 | 269 | $694,155 | $2,581 |
| 1979 | 225 | 179 | $735,337 | $4,108 |
| 1978 | 100 | 77 | $295,416 | $3,837 |
From 2016 to 2026: 733 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 Kings County
ZIP codes with at least 300 NFIP home policies in force have their own page.
- ZIP 11224 · New Yorkmedian $1,263 · 1,098 homes
- ZIP 11229 · New Yorkmedian $1,363 · 741 homes
- ZIP 11231 · New Yorkmedian $1,224 · 324 homes
- ZIP 11234 · New Yorkmedian $1,022 · 854 homes
- ZIP 11235 · New Yorkmedian $1,202 · 1,512 homes
- ZIP 11236 · New Yorkmedian $961 · 653 homes
Main NFIP communities in the county
New York (6,889 home policies)