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Flood insurance cost · Richmond County, NY

Flood insurance cost in Richmond County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,210 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$997a year

Half of insured homes paid between $742 and $1,289. That is 24% less than the New York median ($1,313). Most insured homes here are rated in zone AE (66%).

$0$742 · $997 · $1,289$1,611
+5.8% vs Aug 31, 2025 (median $942)
5,210home policies in force
$1,105average cost (mean)
68%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 Richmond 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		$1,150$777–$1,606$1,41828 (1%)+1.8%
Zone AE
High risk		$1,057$832–$1,401$1,2243,440 (66%)+4.2%
Zone A
High risk		$655$542–$926$79087 (2%)+1.9%
Zone X
Moderate to low risk		$828$566–$1,139$8681,653 (32%)+3.0%

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

Type of buildingPoliciesMedianAverage
Single-family home4,162$995$1,107
2–4 unit building907$1,058$1,164
Condo or apartment unit141$551$643
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.		85$2,747$5,279
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		265$2,978$3,939

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

5,560NFIP policies in force, any building
6,073insured units (condo association policies count every unit)
58%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Richmond 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 force5,3435,210−2.5%
Median annual cost$942$997+5.8%
Average annual cost$1,048$1,105+5.4%
All policies in force (any building)5,6885,560−2.3%

How many homes have flood insurance?

4.4%of all homes in Richmond County have an NFIP policy
–of homes in high-risk zones (special flood hazard area) have one
119,930residential 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 Richmond County, New York have filed 19,443 flood claims. 16,256 received a payment, for a total of $282.4 million (an average of $17,374 per paid claim). The year with the most claims was 2012 (4,139 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 2,137 claims, 1,945 paid, $5,493,212 in total1979: 3,987 claims, 3,646 paid, $10,546,212 in total19791980: 3,354 claims, 2,794 paid, $6,004,726 in total198019801981: 841 claims, 628 paid, $1,215,422 in total1982: 643 claims, 381 paid, $533,108 in total1983: 886 claims, 619 paid, $907,899 in total1984: 445 claims, 179 paid, $270,291 in total1985: 54 claims, 15 paid, $39,486 in total1986: 16 claims1987: 13 claims1988: 157 claims, 90 paid, $292,671 in total1989: 39 claims, 14 paid, $31,436 in total1990: 12 claims19901991: 38 claims, 19 paid, $115,798 in total1992: 328 claims, 261 paid, $2,419,274 in total1993: 40 claims, 25 paid, $92,056 in total1994: 54 claims, 26 paid, $84,937 in total1996: 158 claims, 97 paid, $680,489 in total1997: 14 claims1998: 15 claims1999: 36 claims, 18 paid, $83,551 in total20002001: 13 claims2002: 14 claims2003: 25 claims, 10 paid, $35,473 in total2004: 35 claims, 18 paid, $101,572 in total2005: 13 claims2006: 15 claims2007: 204 claims, 166 paid, $1,011,275 in total2008: 12 claims2009: 12 claims2010: 175 claims, 104 paid, $1,447,398 in total20102011: 942 claims, 709 paid, $5,664,110 in total2012: 4,139 claims, 4,016 paid, $237,925,546 in total20122013: 11 claims2014: 45 claims, 28 paid, $136,931 in total2015: 27 claims, 13 paid, $54,053 in total2017: 28 claims, 14 paid, $174,861 in total2018: 22 claims, 13 paid, $90,527 in total20202021: 361 claims, 299 paid, $6,050,668 in total2022: 14 claims2023: 21 claims, 13 paid, $116,688 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 (41)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20232113$116,688$8,976
202214<10––
2021361299$6,050,668$20,236
20182213$90,527$6,964
20172814$174,861$12,490
20152713$54,053$4,158
20144528$136,931$4,890
201311<10––
20124,1394,016$237,925,546$59,244
2011942709$5,664,110$7,989
2010175104$1,447,398$13,917
200912<10––
200812<10––
2007204166$1,011,275$6,092
200615<10––
200513<10––
20043518$101,572$5,643
20032510$35,473$3,547
200214<10––
200113<10––
19993618$83,551$4,642
199815<10––
199714<10––
199615897$680,489$7,015
19945426$84,937$3,267
19934025$92,056$3,682
1992328261$2,419,274$9,269
19913819$115,798$6,095
199012<10––
19893914$31,436$2,245
198815790$292,671$3,252
198713<10––
198616<10––
19855415$39,486$2,632
1984445179$270,291$1,510
1983886619$907,899$1,467
1982643381$533,108$1,399
1981841628$1,215,422$1,935
19803,3542,794$6,004,726$2,149
19793,9873,646$10,546,212$2,893
19782,1371,945$5,493,212$2,824

From 2016 to 2026: 446 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 Richmond County

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

Main NFIP communities in the county

New York (5,208 home policies)