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Flood insurance cost · New York County, NY

Flood insurance cost in New York County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 755 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$808a year

Half of insured homes paid between $526 and $1,280. That is 38% less than the New York median ($1,313). Most insured homes here are rated in zone X (67%).

$0$526 · $808 · $1,280$1,600
−4.3% vs Aug 31, 2025 (median $844)
755home policies in force
$1,010average cost (mean)
33%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 New York 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 AE
High risk		$794$586–$1,444$1,130245 (32%)−4.9%
Zone X
Moderate to low risk		$836$492–$1,260$953508 (67%)−1.4%

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 New York County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home212$1,158$1,217
2–4 unit building111$1,202$1,214
Condo or apartment unit432$647$856
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.		1,117$3,007$7,305
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		685$3,738$5,041

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

2,557NFIP policies in force, any building
14,848insured units (condo association policies count every unit)
84%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: New York 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 force766755−1.4%
Median annual cost$844$808−4.3%
Average annual cost$969$1,010+4.2%
All policies in force (any building)2,5492,557+0.3%

How many homes have flood insurance?

1.5%of all homes in New York County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
126,503residential 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 New York County, New York have filed 1,624 flood claims. 1,013 received a payment, for a total of $121.9 million (an average of $120,369 per paid claim). The year with the most claims was 2012 (673 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 66 claims, 45 paid, $404,128 in total1979: 72 claims, 48 paid, $607,340 in total19791980: 65 claims, 46 paid, $255,599 in total19801981: 18 claims, 13 paid, $82,418 in total1982: 29 claims, 21 paid, $68,439 in total1983: 40 claims, 23 paid, $158,187 in total1984: 42 claims, 22 paid, $156,951 in total1985: 40 claims, 18 paid, $85,260 in total1986: 23 claims, 17 paid, $165,279 in total1987: 13 claims1989: 16 claims, 10 paid, $74,959 in total19901991: 31 claims, 24 paid, $219,936 in total1992: 49 claims, 36 paid, $1,308,607 in total1993: 20 claims, 14 paid, $196,288 in total1995: 12 claims1996: 16 claims, 12 paid, $246,952 in total20002007: 62 claims, 37 paid, $425,930 in total20102011: 72 claims, 28 paid, $1,078,624 in total2012: 673 claims, 448 paid, $111,873,719 in total20122018: 16 claims20202021: 110 claims, 64 paid, $1,980,634 in total20212023: 35 claims, 19 paid, $1,330,528 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
20233519$1,330,528$70,028
202111064$1,980,634$30,947
201816<10––
2012673448$111,873,719$249,718
20117228$1,078,624$38,522
20076237$425,930$11,512
19961612$246,952$20,579
199512<10––
19932014$196,288$14,021
19924936$1,308,607$36,350
19913124$219,936$9,164
19891610$74,959$7,496
198713<10––
19862317$165,279$9,722
19854018$85,260$4,737
19844222$156,951$7,134
19834023$158,187$6,878
19822921$68,439$3,259
19811813$82,418$6,340
19806546$255,599$5,556
19797248$607,340$12,653
19786645$404,128$8,981

From 2016 to 2026: 161 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

New York (749 home policies)