Menu

Flood insurance cost · Orange County, NY

Flood insurance cost in Orange County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,022 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,182a year

Half of insured homes paid between $717 and $1,774. That is 10% less than the New York median ($1,313). Most insured homes here are rated in zone AE (52%).

$0$717 · $1,182 · $1,774$2,218
+11.8% vs Aug 31, 2025 (median $1,057)
1,022home policies in force
$1,400average cost (mean)
62%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 Orange 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		$1,638$1,056–$2,285$1,822534 (52%)+11.4%
Zone A
High risk		$1,061$788–$1,468$1,25798 (10%)+5.5%
Zone X
Moderate to low risk		$743$516–$1,198$856389 (38%)+2.3%

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 Orange County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home889$1,195$1,394
2–4 unit building66$1,619$2,061
Condo or apartment unit59$560$696
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.		67$2,409$3,738
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		226$2,713$4,060

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

1,315NFIP policies in force, any building
1,684insured units (condo association policies count every unit)
66%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Orange 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 force1,0571,022−3.3%
Median annual cost$1,057$1,182+11.8%
Average annual cost$1,287$1,400+8.8%
All policies in force (any building)1,3591,315−3.2%

How many homes have flood insurance?

0.9%of all homes in Orange County have an NFIP policy
31.4%of homes in high-risk zones (special flood hazard area) have one
115,788residential buildings counted by FEMA
2,115of 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 Orange County, New York have filed 2,036 flood claims. 1,557 received a payment, for a total of $26.9 million (an average of $17,247 per paid claim). The year with the most claims was 2011 (588 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 35 claims, 23 paid, $106,610 in total1979: 222 claims, 139 paid, $411,193 in total19791980: 63 claims, 50 paid, $69,758 in total19801981: 67 claims, 51 paid, $526,478 in total1982: 13 claims1983: 28 claims, 20 paid, $21,103 in total1984: 93 claims, 60 paid, $223,320 in total1987: 24 claims, 20 paid, $48,895 in total19901996: 112 claims, 78 paid, $670,680 in total1999: 93 claims, 77 paid, $934,808 in total20002004: 23 claims, 17 paid, $428,719 in total2005: 154 claims, 141 paid, $3,491,209 in total20052006: 37 claims, 36 paid, $432,679 in total2007: 116 claims, 99 paid, $1,450,724 in total2008: 18 claims, 14 paid, $117,699 in total2010: 53 claims, 39 paid, $552,932 in total20102011: 588 claims, 479 paid, $13,436,707 in total20112012: 17 claims, 10 paid, $362,435 in total2013: 17 claims, 10 paid, $65,713 in total2016: 11 claims2018: 13 claims, 11 paid, $257,417 in total2020: 13 claims20202021: 63 claims, 55 paid, $1,279,639 in total2023: 53 claims, 42 paid, $1,156,308 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 (24)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20235342$1,156,308$27,531
20216355$1,279,639$23,266
202013<10––
20181311$257,417$23,402
201611<10––
20131710$65,713$6,571
20121710$362,435$36,244
2011588479$13,436,707$28,052
20105339$552,932$14,178
20081814$117,699$8,407
200711699$1,450,724$14,654
20063736$432,679$12,019
2005154141$3,491,209$24,760
20042317$428,719$25,219
19999377$934,808$12,140
199611278$670,680$8,598
19872420$48,895$2,445
19849360$223,320$3,722
19832820$21,103$1,055
198213<10––
19816751$526,478$10,323
19806350$69,758$1,395
1979222139$411,193$2,958
19783523$106,610$4,635

From 2016 to 2026: 153 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

Port Jervis (100 home policies) · Deer Park (76 home policies) · Newburgh (64 home policies) · Middletown (60 home policies) · Chester (49 home policies) · Monroe (48 home policies)