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Flood insurance cost · Suffolk County, NY

Flood insurance cost in Suffolk County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 25,648 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,401a year

Half of insured homes paid between $1,012 and $2,106. That is 7% more than the New York median ($1,313). The most common flood zone for insured homes here is zone AE (48%).

$0$1,012 · $1,401 · $2,106$2,632
+16.3% vs Aug 31, 2025 (median $1,205)
25,648home policies in force
$1,825average 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 Suffolk 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		$1,873$1,356–$3,086$2,4091,184 (5%)+4.5%
Zone AE
High risk		$1,954$1,411–$3,207$2,47412,377 (48%)+11.7%
Zone A
High risk		$1,582$1,149–$2,046$1,78226 (0%)+10.7%
Zone AO
High risk, shallow		$2,508$1,946–$3,489$2,82723 (0%)+0.7%
Zone X
Moderate to low risk		$1,084$736–$1,369$1,09812,038 (47%)+5.8%

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

Type of buildingPoliciesMedianAverage
Single-family home24,776$1,402$1,837
2–4 unit building320$1,630$2,276
Manufactured (mobile) home23$1,269$1,280
Condo or apartment unit529$852$1,010
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.		439$2,680$5,693
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		1,299$2,605$4,244
27,386NFIP policies in force, any building
28,622insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Suffolk 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 force26,89025,648−4.6%
Median annual cost$1,205$1,401+16.3%
Average annual cost$1,687$1,825+8.2%
All policies in force (any building)28,61627,386−4.3%

How many homes have flood insurance?

5.4%of all homes in Suffolk County have an NFIP policy
65.7%of homes in high-risk zones (special flood hazard area) have one
487,590residential buildings counted by FEMA
21,119of 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 Suffolk County, New York have filed 33,987 flood claims. 27,348 received a payment, for a total of $1.1 billion (an average of $40,759 per paid claim). The year with the most claims was 2012 (13,302 claims). Amounts are in dollars of the time, not adjusted for inflation.

05k10k15k20k1978: 397 claims, 295 paid, $1,046,030 in total1979: 634 claims, 439 paid, $926,325 in total1980: 482 claims, 332 paid, $789,364 in total19801981: 118 claims, 71 paid, $146,324 in total1982: 273 claims, 168 paid, $567,572 in total1983: 258 claims, 151 paid, $838,917 in total1984: 727 claims, 383 paid, $2,326,414 in total1985: 1,341 claims, 900 paid, $5,245,758 in total1986: 68 claims, 22 paid, $180,864 in total1987: 113 claims, 57 paid, $966,364 in total1988: 23 claims1989: 219 claims, 80 paid, $367,148 in total1990: 110 claims, 66 paid, $465,513 in total19901991: 2,393 claims, 1,851 paid, $24,383,170 in total19911992: 3,199 claims, 2,554 paid, $45,504,256 in total19921993: 890 claims, 682 paid, $15,677,608 in total1994: 280 claims, 178 paid, $3,462,552 in total1995: 97 claims, 61 paid, $3,626,025 in total1996: 565 claims, 458 paid, $6,768,061 in total1997: 90 claims, 53 paid, $445,924 in total1998: 237 claims, 145 paid, $1,725,432 in total1999: 53 claims, 17 paid, $88,862 in total2000: 50 claims, 22 paid, $235,985 in total20002001: 66 claims, 26 paid, $154,296 in total2002: 51 claims, 22 paid, $331,975 in total2003: 89 claims, 47 paid, $578,642 in total2004: 69 claims, 37 paid, $228,376 in total2005: 1,780 claims, 1,463 paid, $19,387,701 in total2006: 93 claims, 62 paid, $627,609 in total2007: 280 claims, 216 paid, $3,861,435 in total2008: 83 claims, 50 paid, $410,349 in total2009: 116 claims, 75 paid, $938,011 in total2010: 1,059 claims, 822 paid, $7,019,858 in total20102011: 2,230 claims, 1,782 paid, $47,167,878 in total2012: 13,302 claims, 12,232 paid, $866,155,510 in total20122013: 70 claims, 36 paid, $396,009 in total2014: 614 claims, 464 paid, $6,969,223 in total2015: 40 claims, 13 paid, $125,834 in total2016: 44 claims, 22 paid, $103,883 in total2017: 143 claims, 105 paid, $2,708,607 in total2018: 171 claims, 110 paid, $2,304,681 in total2019: 84 claims, 54 paid, $1,220,316 in total2020: 51 claims, 28 paid, $437,201 in total20202021: 138 claims, 91 paid, $2,649,919 in total2022: 76 claims, 50 paid, $1,302,139 in total2023: 180 claims, 135 paid, $9,024,940 in total2024: 492 claims, 388 paid, $24,104,563 in total2025: 30 claims, 24 paid, $619,989 in total2026: 19 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 (49)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202619<10––
20253024$619,989$25,833
2024492388$24,104,563$62,125
2023180135$9,024,940$66,851
20227650$1,302,139$26,043
202113891$2,649,919$29,120
20205128$437,201$15,614
20198454$1,220,316$22,598
2018171110$2,304,681$20,952
2017143105$2,708,607$25,796
20164422$103,883$4,722
20154013$125,834$9,680
2014614464$6,969,223$15,020
20137036$396,009$11,000
201213,30212,232$866,155,510$70,811
20112,2301,782$47,167,878$26,469
20101,059822$7,019,858$8,540
200911675$938,011$12,507
20088350$410,349$8,207
2007280216$3,861,435$17,877
20069362$627,609$10,123
20051,7801,463$19,387,701$13,252
20046937$228,376$6,172
20038947$578,642$12,312
20025122$331,975$15,090
20016626$154,296$5,934
20005022$235,985$10,727
19995317$88,862$5,227
1998237145$1,725,432$11,900
19979053$445,924$8,414
1996565458$6,768,061$14,777
19959761$3,626,025$59,443
1994280178$3,462,552$19,453
1993890682$15,677,608$22,988
19923,1992,554$45,504,256$17,817
19912,3931,851$24,383,170$13,173
199011066$465,513$7,053
198921980$367,148$4,589
198823<10––
198711357$966,364$16,954
19866822$180,864$8,221
19851,341900$5,245,758$5,829
1984727383$2,326,414$6,074
1983258151$838,917$5,556
1982273168$567,572$3,378
198111871$146,324$2,061
1980482332$789,364$2,378
1979634439$926,325$2,110
1978397295$1,046,030$3,546

From 2016 to 2026: 1,428 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 Suffolk County

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

Main NFIP communities in the county

Islip (4,273 home policies) · Brookhaven (3,577 home policies) · Southampton (3,385 home policies) · Babylon (2,193 home policies) · East Hampton (2,096 home policies) · Southold (1,337 home policies)