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Flood insurance cost · Oneida County, NY

Flood insurance cost in Oneida County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 443 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,239a year

Half of insured homes paid between $756 and $1,656. That is 6% less than the New York median ($1,313). Most insured homes here are rated in zone AE (56%).

$0$756 · $1,239 · $1,656$2,070
+9.5% vs Aug 31, 2025 (median $1,132)
443home policies in force
$1,400average cost (mean)
67%of insured homes in high-risk zones (A, V)
$140,000median 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 Oneida 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		$1,510$1,082–$2,059$1,717250 (56%)+8.6%
Zone A
High risk		$1,047$678–$1,461$1,24347 (11%)+10.8%
Zone X
Moderate to low risk		$895$544–$1,257$908146 (33%)+8.4%

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 Oneida County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home407$1,200$1,386
2–4 unit building29$1,577$1,711
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.		20$1,621$1,840
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		78$2,859$4,300

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

541NFIP policies in force, any building
541insured units (condo association policies count every unit)
52%of home policies also cover contents
$63,000median contents coverage, when bought

One year on: Oneida 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 force473443−6.3%
Median annual cost$1,132$1,239+9.5%
Average annual cost$1,292$1,400+8.4%
All policies in force (any building)568541−4.8%

How many homes have flood insurance?

0.6%of all homes in Oneida County have an NFIP policy
20.1%of homes in high-risk zones (special flood hazard area) have one
83,052residential buildings counted by FEMA
1,511of 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 Oneida County, New York have filed 1,081 flood claims. 870 received a payment, for a total of $16.2 million (an average of $18,592 per paid claim). The year with the most claims was 2011 (189 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 13 claims1979: 32 claims, 23 paid, $103,041 in total1980: 30 claims, 23 paid, $55,037 in total19801981: 57 claims, 38 paid, $152,789 in total1982: 13 claims1983: 29 claims, 26 paid, $38,603 in total1984: 16 claims, 11 paid, $29,116 in total1986: 16 claims19901993: 55 claims, 42 paid, $259,758 in total1994: 14 claims, 14 paid, $88,060 in total2000: 29 claims, 22 paid, $331,657 in total20002006: 27 claims, 19 paid, $144,329 in total20102011: 189 claims, 152 paid, $3,094,044 in total20112013: 179 claims, 154 paid, $3,676,516 in total20132017: 134 claims, 112 paid, $2,354,934 in total20172018: 17 claims, 15 paid, $363,425 in total2019: 125 claims, 117 paid, $4,011,238 in total20202021: 10 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202110<10––
2019125117$4,011,238$34,284
20181715$363,425$24,228
2017134112$2,354,934$21,026
2013179154$3,676,516$23,873
2011189152$3,094,044$20,356
20062719$144,329$7,596
20002922$331,657$15,075
19941414$88,060$6,290
19935542$259,758$6,185
198616<10––
19841611$29,116$2,647
19832926$38,603$1,485
198213<10––
19815738$152,789$4,021
19803023$55,037$2,393
19793223$103,041$4,480
197813<10––

From 2016 to 2026: 286 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

Whitesboro (79 home policies) · Kirkland (62 home policies) · Utica (37 home policies) · Vienna (35 home policies) · New Hartford (26 home policies) · Sylvan Beach (26 home policies)