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Flood insurance cost · Queens County, NY

Flood insurance cost in Queens County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 11,354 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,333a year

Half of insured homes paid between $1,021 and $1,742. That is about the same as the New York median ($1,313). Most insured homes here are rated in zone AE (53%).

$0$1,021 · $1,333 · $1,742$2,178
+13.7% vs Aug 31, 2025 (median $1,172)
11,354home policies in force
$1,528average cost (mean)
53%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 Queens 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		$1,663$1,084–$2,298$1,99031 (0%)+1.1%
Zone AE
High risk		$1,584$1,125–$2,287$1,8376,039 (53%)+6.9%
Zone X
Moderate to low risk		$1,200$880–$1,400$1,1715,283 (47%)+14.3%

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

Type of buildingPoliciesMedianAverage
Single-family home7,909$1,315$1,544
2–4 unit building3,195$1,400$1,552
Condo or apartment unit250$566$688
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.		651$3,026$4,826
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		720$3,425$4,245

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

12,725NFIP policies in force, any building
18,356insured units (condo association policies count every unit)
75%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Queens 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 force11,71711,354−3.1%
Median annual cost$1,172$1,333+13.7%
Average annual cost$1,415$1,528+8.0%
All policies in force (any building)13,01812,725−2.3%

How many homes have flood insurance?

3.7%of all homes in Queens County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
322,316residential 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 Queens County, New York have filed 14,980 flood claims. 12,845 received a payment, for a total of $710.5 million (an average of $55,314 per paid claim). The year with the most claims was 2012 (7,734 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 177 claims, 124 paid, $408,789 in total1979: 363 claims, 282 paid, $804,102 in total1980: 332 claims, 268 paid, $622,822 in total19801981: 161 claims, 129 paid, $399,683 in total1982: 66 claims, 32 paid, $67,016 in total1983: 175 claims, 104 paid, $244,711 in total1984: 360 claims, 217 paid, $958,060 in total1985: 78 claims, 39 paid, $134,069 in total1986: 14 claims1987: 87 claims, 59 paid, $258,823 in total1989: 50 claims, 24 paid, $77,584 in total1990: 16 claims19901991: 136 claims, 102 paid, $979,490 in total1992: 1,058 claims, 902 paid, $8,549,419 in total19921993: 189 claims, 130 paid, $989,669 in total1994: 22 claims1995: 21 claims, 12 paid, $525,435 in total1996: 147 claims, 107 paid, $2,435,158 in total1997: 18 claims, 11 paid, $1,170,930 in total1998: 28 claims, 12 paid, $588,852 in total1999: 66 claims, 46 paid, $933,715 in total2000: 22 claims20002001: 20 claims2002: 23 claims, 17 paid, $45,843 in total2003: 25 claims, 10 paid, $30,566 in total2004: 64 claims, 49 paid, $491,409 in total2005: 267 claims, 199 paid, $1,551,399 in total2006: 28 claims, 22 paid, $292,804 in total2007: 125 claims, 101 paid, $1,838,028 in total2008: 40 claims, 30 paid, $703,768 in total2009: 33 claims, 21 paid, $228,796 in total2010: 138 claims, 86 paid, $663,633 in total20102011: 1,344 claims, 1,113 paid, $14,794,236 in total20112012: 7,734 claims, 7,422 paid, $634,492,305 in total20122013: 28 claims, 10 paid, $61,490 in total2014: 172 claims, 121 paid, $2,484,467 in total2015: 13 claims2016: 25 claims, 14 paid, $230,234 in total2017: 16 claims2018: 73 claims, 32 paid, $939,406 in total2019: 16 claims2020: 14 claims20202021: 308 claims, 249 paid, $12,112,581 in total2022: 454 claims, 390 paid, $10,343,374 in total2023: 274 claims, 210 paid, $5,312,924 in total2024: 72 claims, 46 paid, $838,540 in total2025: 28 claims, 18 paid, $569,891 in total2026: 51 claims, 30 paid, $904,822 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 (48)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20265130$904,822$30,161
20252818$569,891$31,661
20247246$838,540$18,229
2023274210$5,312,924$25,300
2022454390$10,343,374$26,521
2021308249$12,112,581$48,645
202014<10––
201916<10––
20187332$939,406$29,356
201716<10––
20162514$230,234$16,445
201513<10––
2014172121$2,484,467$20,533
20132810$61,490$6,149
20127,7347,422$634,492,305$85,488
20111,3441,113$14,794,236$13,292
201013886$663,633$7,717
20093321$228,796$10,895
20084030$703,768$23,459
2007125101$1,838,028$18,198
20062822$292,804$13,309
2005267199$1,551,399$7,796
20046449$491,409$10,029
20032510$30,566$3,057
20022317$45,843$2,697
200120<10––
200022<10––
19996646$933,715$20,298
19982812$588,852$49,071
19971811$1,170,930$106,448
1996147107$2,435,158$22,758
19952112$525,435$43,786
199422<10––
1993189130$989,669$7,613
19921,058902$8,549,419$9,478
1991136102$979,490$9,603
199016<10––
19895024$77,584$3,233
19878759$258,823$4,387
198614<10––
19857839$134,069$3,438
1984360217$958,060$4,415
1983175104$244,711$2,353
19826632$67,016$2,094
1981161129$399,683$3,098
1980332268$622,822$2,324
1979363282$804,102$2,851
1978177124$408,789$3,297

From 2016 to 2026: 1,331 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 Queens County

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

Main NFIP communities in the county

New York (11,347 home policies)