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Flood insurance cost · Rockland County, NY

Flood insurance cost in Rockland County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 912 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,023a year

Half of insured homes paid between $577 and $1,596. That is 22% less than the New York median ($1,313). Most insured homes here are rated in zone X (60%).

$0$577 · $1,023 · $1,596$1,995
+10.5% vs Aug 31, 2025 (median $926)
912home policies in force
$1,316average cost (mean)
40%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 Rockland 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		$1,796$1,164–$2,695$2,056328 (36%)+10.5%
Zone A
High risk		$974$540–$1,400$1,16833 (4%)+0.5%
Zone X
Moderate to low risk		$682$478–$1,089$852546 (60%)+1.3%

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 Rockland County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home813$1,024$1,313
2–4 unit building44$1,820$1,910
Condo or apartment unit54$658$887
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.		79$1,748$2,699
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		152$2,864$3,975

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

1,143NFIP policies in force, any building
1,272insured units (condo association policies count every unit)
80%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Rockland 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 force967912−5.7%
Median annual cost$926$1,023+10.5%
Average annual cost$1,217$1,316+8.1%
All policies in force (any building)1,1971,143−4.5%

How many homes have flood insurance?

1.3%of all homes in Rockland County have an NFIP policy
49.8%of homes in high-risk zones (special flood hazard area) have one
78,752residential buildings counted by FEMA
793of 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 Rockland County, New York have filed 3,484 flood claims. 2,658 received a payment, for a total of $45.7 million (an average of $17,200 per paid claim). The year with the most claims was 2011 (502 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 152 claims, 117 paid, $192,321 in total1979: 500 claims, 413 paid, $880,582 in total19791980: 359 claims, 274 paid, $587,953 in total198019801981: 97 claims, 69 paid, $190,777 in total1982: 60 claims, 39 paid, $93,748 in total1983: 250 claims, 177 paid, $569,306 in total1984: 308 claims, 201 paid, $815,083 in total1985: 11 claims1986: 52 claims, 32 paid, $139,507 in total1987: 18 claims1989: 23 claims, 11 paid, $65,475 in total1990: 16 claims, 10 paid, $63,104 in total19901992: 38 claims, 22 paid, $160,675 in total1993: 18 claims, 13 paid, $85,112 in total1994: 17 claims, 11 paid, $50,611 in total1995: 12 claims1996: 24 claims, 19 paid, $164,720 in total1999: 323 claims, 252 paid, $3,690,705 in total20002001: 26 claims, 15 paid, $158,471 in total2002: 11 claims2003: 19 claims, 15 paid, $80,756 in total2004: 44 claims, 32 paid, $562,255 in total2005: 47 claims, 35 paid, $666,699 in total2007: 119 claims, 104 paid, $2,319,535 in total2008: 11 claims2010: 56 claims, 40 paid, $676,743 in total20102011: 502 claims, 443 paid, $15,709,559 in total20112012: 129 claims, 111 paid, $10,246,611 in total2018: 11 claims20202021: 107 claims, 94 paid, $4,991,027 in total2022: 19 claims, 14 paid, $253,746 in total2023: 29 claims, 24 paid, $1,271,187 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 (32)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20232924$1,271,187$52,966
20221914$253,746$18,125
202110794$4,991,027$53,096
201811<10––
2012129111$10,246,611$92,312
2011502443$15,709,559$35,462
20105640$676,743$16,919
200811<10––
2007119104$2,319,535$22,303
20054735$666,699$19,049
20044432$562,255$17,570
20031915$80,756$5,384
200211<10––
20012615$158,471$10,565
1999323252$3,690,705$14,646
19962419$164,720$8,669
199512<10––
19941711$50,611$4,601
19931813$85,112$6,547
19923822$160,675$7,303
19901610$63,104$6,310
19892311$65,475$5,952
198718<10––
19865232$139,507$4,360
198511<10––
1984308201$815,083$4,055
1983250177$569,306$3,216
19826039$93,748$2,404
19819769$190,777$2,765
1980359274$587,953$2,146
1979500413$880,582$2,132
1978152117$192,321$1,644

From 2016 to 2026: 166 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

Clarkstown (301 home policies) · Orangetown (112 home policies) · Piermont (84 home policies) · Stony Point (70 home policies) · Suffern (55 home policies) · Montebello (45 home policies)