Flood insurance cost · Tioga County, NY

Flood insurance cost in Tioga County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 549 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$1,769a year

Half of insured homes paid between $1,200 and $2,549. That is 35% more than the New York median ($1,313). Most insured homes here are rated in zone AE (71%).

$0$1,200 · $1,769 · $2,549$3,186

+12.4% vs Aug 31, 2025 (median $1,574)

549home policies in force

$1,993average cost (mean)

85%of insured homes in high-risk zones (A, V)

$120,000median 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 Tioga 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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$2,062	$1,406–$2,812	$2,215	388 (71%)	+7.6%
Zone A High risk	$1,484	$1,124–$2,016	$1,662	79 (14%)	+7.5%
Zone X Moderate to low risk	$1,188	$1,014–$1,362	$1,266	82 (15%)	+17.6%

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 Tioga County, by what they insure.

Type of building	Policies	Median	Average
Single-family home	484	$1,758	$2,003
2–4 unit building	43	$2,042	$2,138
Manufactured (mobile) home	21	$1,422	$1,542
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.	10	$2,270	$2,558
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	103	$4,587	$5,289

Not shown (fewer than 10 policies): condo or apartment unit.

662NFIP policies in force, any building

662insured units (condo association policies count every unit)

55%of home policies also cover contents

$40,000median contents coverage, when bought

One year on: Tioga 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, 2025	Aug 31, 2026	Change
Home policies in force	583	549	−5.8%
Median annual cost	$1,574	$1,769	+12.4%
Average annual cost	$1,806	$1,993	+10.4%
All policies in force (any building)	699	662	−5.3%

How many homes have flood insurance?

2.6%of all homes in Tioga County have an NFIP policy

28.0%of homes in high-risk zones (special flood hazard area) have one

21,203residential buildings counted by FEMA

1,689of 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 Tioga County, New York have filed 1,561 flood claims. 1,405 received a payment, for a total of $61.3 million (an average of $43,622 per paid claim). The year with the most claims was 2011 (716 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (9)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2018	37	31	$566,286	$18,267
2011	716	675	$46,661,416	$69,128
2006	353	333	$10,372,086	$31,147
2005	145	130	$2,138,242	$16,448
2004	23	19	$247,649	$13,034
1996	67	53	$477,409	$9,008
1993	34	24	$94,338	$3,931
1983	51	34	$158,618	$4,665
1979	65	57	$148,273	$2,601

From 2016 to 2026: 37 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

Owego (263 home policies) · Owego (96 home policies) · Nichols (29 home policies) · Candor (22 home policies) · Spencer (22 home policies) · Tioga (22 home policies)