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Flood insurance cost · Onondaga County, NY

Flood insurance cost in Onondaga County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,003 home policies in force on August 31, 2026.

Onondaga 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 $866 and $1,607. That is 8% less than the New York median ($1,313). Most insured homes here are rated in zone AE (75%).

$0$866 · $1,205 · $1,607$2,009
+9.3% vs Aug 31, 2025 (median $1,102)
1,003home policies in force
$1,350average cost (mean)
80%of insured homes in high-risk zones (A, V)
$169,000median 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 Onondaga 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		$1,304$958–$1,776$1,485751 (75%)+8.9%
Zone A
High risk		$1,048$606–$1,378$1,03832 (3%)+5.8%
Zone AO
High risk, shallow		$943$804–$1,163$98920 (2%)−2.2%
Zone X
Moderate to low risk		$912$616–$1,205$931200 (20%)+4.5%

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

Type of buildingPoliciesMedianAverage
Single-family home945$1,204$1,355
2–4 unit building37$1,418$1,392
Condo or apartment unit19$1,015$1,018
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.		52$1,596$2,746
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		146$3,458$4,105

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

1,201NFIP policies in force, any building
1,234insured units (condo association policies count every unit)
46%of home policies also cover contents
$67,000median contents coverage, when bought

One year on: Onondaga 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 force1,0551,003−4.9%
Median annual cost$1,102$1,205+9.3%
Average annual cost$1,260$1,350+7.1%
All policies in force (any building)1,2581,201−4.5%

How many homes have flood insurance?

0.7%of all homes in Onondaga County have an NFIP policy
27.5%of homes in high-risk zones (special flood hazard area) have one
153,663residential buildings counted by FEMA
2,978of 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 Onondaga County, New York have filed 972 flood claims. 697 received a payment, for a total of $8,591,677 (an average of $12,327 per paid claim). The year with the most claims was 1993 (190 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 40 claims, 26 paid, $36,162 in total1979: 67 claims, 50 paid, $144,252 in total19791980: 15 claims19801981: 120 claims, 99 paid, $710,908 in total19811983: 10 claims1990: 14 claims19901993: 190 claims, 161 paid, $1,861,634 in total19931994: 66 claims, 57 paid, $393,812 in total1996: 61 claims, 32 paid, $203,927 in total2000: 11 claims20002002: 10 claims2004: 25 claims, 19 paid, $189,026 in total2005: 18 claims, 14 paid, $233,196 in total2006: 26 claims, 19 paid, $395,509 in total2007: 22 claims, 19 paid, $296,400 in total20102011: 39 claims, 22 paid, $181,526 in total2015: 27 claims, 21 paid, $877,052 in total20202021: 45 claims, 36 paid, $1,008,491 in total2023: 18 claims, 15 paid, $793,636 in total2025: 11 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202511<10––
20231815$793,636$52,909
20214536$1,008,491$28,014
20152721$877,052$41,764
20113922$181,526$8,251
20072219$296,400$15,600
20062619$395,509$20,816
20051814$233,196$16,657
20042519$189,026$9,949
200210<10––
200011<10––
19966132$203,927$6,373
19946657$393,812$6,909
1993190161$1,861,634$11,563
199014<10––
198310<10––
198112099$710,908$7,181
198015<10––
19796750$144,252$2,885
19784026$36,162$1,391

From 2016 to 2026: 74 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

Cicero (190 home policies) · Syracuse (143 home policies) · Clay (108 home policies) · Manlius (107 home policies) · Van Buren (66 home policies) · Lysander (58 home policies)