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Flood insurance cost · Sullivan County, NY

Flood insurance cost in Sullivan County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 348 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,386a year

Half of insured homes paid between $951 and $2,033. That is 6% more than the New York median ($1,313). The most common flood zone for insured homes here is zone AE (47%).

$0$951 · $1,386 · $2,033$2,541
+13.2% vs Aug 31, 2025 (median $1,224)
348home policies in force
$1,740average cost (mean)
57%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 Sullivan 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		$1,922$1,386–$3,040$2,360162 (47%)+3.3%
Zone A
High risk		$1,634$1,108–$1,972$1,64335 (10%)+13.6%
Zone X
Moderate to low risk		$1,077$699–$1,364$1,096151 (43%)+8.7%

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 Sullivan County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home316$1,371$1,750
2–4 unit building15$1,661$1,778
Manufactured (mobile) home14$1,506$1,703
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		54$2,508$4,480

Not shown (fewer than 10 policies): condo or apartment unit, whole residential building (5+ units or condo association).

403NFIP policies in force, any building
403insured units (condo association policies count every unit)
68%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Sullivan 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 force374348−7.0%
Median annual cost$1,224$1,386+13.2%
Average annual cost$1,641$1,740+6.0%
All policies in force (any building)428403−5.8%

How many homes have flood insurance?

0.8%of all homes in Sullivan County have an NFIP policy
13.5%of homes in high-risk zones (special flood hazard area) have one
47,398residential buildings counted by FEMA
1,479of 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 Sullivan County, New York have filed 946 flood claims. 794 received a payment, for a total of $16.2 million (an average of $20,449 per paid claim). The year with the most claims was 2006 (237 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001979: 23 claims, 20 paid, $50,127 in total1980: 17 claims, 14 paid, $38,715 in total19801981: 11 claims1983: 13 claims, 11 paid, $24,360 in total1984: 22 claims, 15 paid, $52,729 in total19901996: 34 claims, 26 paid, $300,064 in total2000: 37 claims, 31 paid, $433,355 in total20002004: 94 claims, 70 paid, $1,546,424 in total20042005: 133 claims, 122 paid, $1,766,685 in total20052006: 237 claims, 227 paid, $8,904,855 in total20062008: 10 claims2009: 50 claims, 46 paid, $545,093 in total2010: 15 claims, 13 paid, $99,382 in total20102011: 93 claims, 77 paid, $1,187,679 in total2012: 39 claims, 30 paid, $347,213 in total2014: 29 claims, 23 paid, $405,447 in total2017: 13 claims, 11 paid, $173,027 in total20202021: 10 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202110<10––
20171311$173,027$15,730
20142923$405,447$17,628
20123930$347,213$11,574
20119377$1,187,679$15,424
20101513$99,382$7,645
20095046$545,093$11,850
200810<10––
2006237227$8,904,855$39,228
2005133122$1,766,685$14,481
20049470$1,546,424$22,092
20003731$433,355$13,979
19963426$300,064$11,541
19842215$52,729$3,515
19831311$24,360$2,215
198111<10––
19801714$38,715$2,765
19792320$50,127$2,506

From 2016 to 2026: 23 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

Rockland (67 home policies) · Mamakating (32 home policies) · Delaware (31 home policies) · Thompson (30 home policies) · Fallsburg (27 home policies) · Tusten (24 home policies)