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Flood insurance cost · Nassau County, NY

Flood insurance cost in Nassau County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 35,202 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,529a year

Half of insured homes paid between $1,088 and $2,067. That is 16% more than the New York median ($1,313). Most insured homes here are rated in zone AE (75%).

$0$1,088 · $1,529 · $2,067$2,584
+12.3% vs Aug 31, 2025 (median $1,361)
35,202home policies in force
$1,742average 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 Nassau 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		$2,065$1,370–$2,962$2,289248 (1%)+15.6%
Zone AE
High risk		$1,762$1,263–$2,301$1,94526,411 (75%)+13.5%
Zone A
High risk		$1,606$1,157–$2,067$1,66110 (0%)+7.9%
Zone AO
High risk, shallow		$2,313$1,915–$3,026$2,47284 (0%)+8.8%
Zone X
Moderate to low risk		$1,151$780–$1,277$1,0858,449 (24%)+12.3%

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

Type of buildingPoliciesMedianAverage
Single-family home32,423$1,512$1,746
2–4 unit building2,163$1,866$1,957
Condo or apartment unit615$662$789
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.		556$3,661$6,185
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,421$3,483$4,585

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

37,179NFIP policies in force, any building
40,550insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Nassau 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 force36,50135,202−3.6%
Median annual cost$1,361$1,529+12.3%
Average annual cost$1,617$1,742+7.7%
All policies in force (any building)38,46337,179−3.3%

How many homes have flood insurance?

9.7%of all homes in Nassau County have an NFIP policy
76.2%of homes in high-risk zones (special flood hazard area) have one
371,341residential buildings counted by FEMA
35,643of 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 Nassau County, New York have filed 51,535 flood claims. 44,585 received a payment, for a total of $2.3 billion (an average of $51,153 per paid claim). The year with the most claims was 2012 (27,137 claims). Amounts are in dollars of the time, not adjusted for inflation.

010k20k30k40k1978: 346 claims, 261 paid, $973,369 in total1979: 674 claims, 482 paid, $1,250,324 in total1980: 566 claims, 429 paid, $956,725 in total19801981: 112 claims, 80 paid, $193,769 in total1982: 121 claims, 58 paid, $126,838 in total1983: 218 claims, 112 paid, $306,280 in total1984: 488 claims, 233 paid, $1,068,346 in total1985: 1,206 claims, 859 paid, $4,462,492 in total1986: 22 claims1987: 390 claims, 295 paid, $1,009,743 in total1988: 16 claims1989: 109 claims, 37 paid, $130,844 in total1990: 57 claims, 41 paid, $308,750 in total19901991: 1,190 claims, 957 paid, $10,818,894 in total1992: 3,671 claims, 2,987 paid, $37,808,550 in total19921993: 485 claims, 362 paid, $2,245,961 in total1994: 46 claims, 22 paid, $181,974 in total1995: 46 claims, 27 paid, $222,679 in total1996: 621 claims, 467 paid, $4,907,055 in total1997: 25 claims, 12 paid, $79,362 in total1998: 147 claims, 91 paid, $401,796 in total1999: 116 claims, 57 paid, $518,863 in total2000: 81 claims, 41 paid, $172,612 in total20002001: 39 claims, 14 paid, $133,822 in total2002: 70 claims, 31 paid, $150,229 in total2003: 108 claims, 50 paid, $160,084 in total2004: 47 claims, 16 paid, $113,801 in total2005: 2,116 claims, 1,703 paid, $13,657,917 in total2006: 40 claims, 23 paid, $483,573 in total2007: 276 claims, 208 paid, $2,737,788 in total2008: 85 claims, 56 paid, $643,015 in total2009: 64 claims, 43 paid, $579,734 in total2010: 960 claims, 674 paid, $6,489,519 in total20102011: 7,258 claims, 6,121 paid, $134,707,263 in total20112012: 27,137 claims, 25,952 paid, $2,007,524,394 in total20122013: 98 claims, 45 paid, $412,972 in total2014: 265 claims, 151 paid, $1,825,779 in total2015: 43 claims, 12 paid, $224,742 in total2016: 59 claims, 22 paid, $340,257 in total2017: 47 claims, 23 paid, $401,770 in total2018: 129 claims, 69 paid, $2,517,405 in total2019: 52 claims, 18 paid, $819,271 in total2020: 59 claims, 23 paid, $493,766 in total20202021: 289 claims, 186 paid, $5,901,003 in total2022: 603 claims, 493 paid, $16,407,697 in total2023: 726 claims, 586 paid, $11,639,471 in total2024: 175 claims, 129 paid, $3,525,096 in total2025: 23 claims, 13 paid, $524,802 in total2026: 14 claims
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
202614<10––
20252313$524,802$40,369
2024175129$3,525,096$27,326
2023726586$11,639,471$19,863
2022603493$16,407,697$33,281
2021289186$5,901,003$31,726
20205923$493,766$21,468
20195218$819,271$45,515
201812969$2,517,405$36,484
20174723$401,770$17,468
20165922$340,257$15,466
20154312$224,742$18,728
2014265151$1,825,779$12,091
20139845$412,972$9,177
201227,13725,952$2,007,524,394$77,355
20117,2586,121$134,707,263$22,007
2010960674$6,489,519$9,628
20096443$579,734$13,482
20088556$643,015$11,482
2007276208$2,737,788$13,162
20064023$483,573$21,025
20052,1161,703$13,657,917$8,020
20044716$113,801$7,113
200310850$160,084$3,202
20027031$150,229$4,846
20013914$133,822$9,559
20008141$172,612$4,210
199911657$518,863$9,103
199814791$401,796$4,415
19972512$79,362$6,614
1996621467$4,907,055$10,508
19954627$222,679$8,247
19944622$181,974$8,272
1993485362$2,245,961$6,204
19923,6712,987$37,808,550$12,658
19911,190957$10,818,894$11,305
19905741$308,750$7,530
198910937$130,844$3,536
198816<10––
1987390295$1,009,743$3,423
198622<10––
19851,206859$4,462,492$5,195
1984488233$1,068,346$4,585
1983218112$306,280$2,735
198212158$126,838$2,187
198111280$193,769$2,422
1980566429$956,725$2,230
1979674482$1,250,324$2,594
1978346261$973,369$3,729

From 2016 to 2026: 2,176 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 Nassau County

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

Main NFIP communities in the county

Hempstead (16,962 home policies) · Long Beach (5,569 home policies) · Oyster Bay (3,289 home policies) · Freeport (2,411 home policies) · Island Park (872 home policies) · East Rockaway (726 home policies)