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Flood insurance cost · Westchester County, NY

Flood insurance cost in Westchester County, New York

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 5,955 home policies in force on August 31, 2026.

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

Median annual cost of NFIP flood insurance for a home

$904a year

Half of insured homes paid between $562 and $1,402. That is 31% less than the New York median ($1,313). Most insured homes here are rated in zone X (63%).

$0$562 · $904 · $1,402$1,752
+2.4% vs Aug 31, 2025 (median $883)
5,955home policies in force
$1,234average cost (mean)
37%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 Westchester 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		$2,558$1,690–$3,580$3,09751 (1%)−1.0%
Zone AE
High risk		$1,586$1,067–$2,526$1,9941,932 (32%)+4.9%
Zone A
High risk		$1,019$754–$1,434$1,270190 (3%)+3.1%
Zone X
Moderate to low risk		$672$479–$1,055$8183,776 (63%)+0.1%

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 Westchester County, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,345$898$1,224
2–4 unit building389$1,260$1,671
Condo or apartment unit221$493$713
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.		327$2,678$5,421
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		808$3,380$4,485

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

7,090NFIP policies in force, any building
8,285insured units (condo association policies count every unit)
84%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: Westchester 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 force6,1255,955−2.8%
Median annual cost$883$904+2.4%
Average annual cost$1,180$1,234+4.6%
All policies in force (any building)7,2737,090−2.5%

How many homes have flood insurance?

3.0%of all homes in Westchester County have an NFIP policy
63.8%of homes in high-risk zones (special flood hazard area) have one
206,605residential buildings counted by FEMA
3,657of 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 Westchester County, New York have filed 12,274 flood claims. 9,955 received a payment, for a total of $272.5 million (an average of $27,370 per paid claim). The year with the most claims was 2021 (1,826 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 233 claims, 184 paid, $820,976 in total1979: 1,199 claims, 1,042 paid, $5,007,937 in total1980: 1,118 claims, 938 paid, $4,821,773 in total19801981: 83 claims, 57 paid, $259,656 in total1982: 285 claims, 230 paid, $746,053 in total1983: 339 claims, 212 paid, $465,920 in total1984: 805 claims, 588 paid, $3,932,915 in total1985: 36 claims, 13 paid, $69,798 in total1986: 37 claims, 20 paid, $97,015 in total1987: 37 claims, 18 paid, $310,200 in total1989: 70 claims, 42 paid, $372,984 in total1990: 81 claims, 58 paid, $398,695 in total19901991: 45 claims, 38 paid, $188,150 in total1992: 320 claims, 245 paid, $5,984,165 in total1993: 21 claims, 10 paid, $46,737 in total1994: 62 claims, 37 paid, $180,667 in total1995: 16 claims, 10 paid, $48,614 in total1996: 349 claims, 246 paid, $2,594,540 in total1997: 10 claims1998: 26 claims, 18 paid, $106,945 in total1999: 262 claims, 213 paid, $5,977,578 in total2000: 19 claims, 13 paid, $105,659 in total20002001: 58 claims, 32 paid, $309,238 in total2002: 28 claims, 17 paid, $336,278 in total2003: 17 claims, 10 paid, $35,650 in total2004: 195 claims, 147 paid, $2,184,020 in total2005: 81 claims, 61 paid, $927,167 in total2006: 35 claims, 17 paid, $197,253 in total2007: 1,346 claims, 1,235 paid, $40,998,171 in total20072008: 56 claims, 38 paid, $414,441 in total2009: 30 claims, 17 paid, $181,983 in total2010: 259 claims, 184 paid, $1,878,081 in total20102011: 1,374 claims, 1,152 paid, $34,739,101 in total20112012: 463 claims, 372 paid, $27,002,074 in total2013: 30 claims, 20 paid, $201,933 in total2014: 46 claims, 23 paid, $147,747 in total2015: 12 claims2017: 18 claims2018: 150 claims, 110 paid, $2,936,635 in total2019: 22 claims2020: 12 claims20202021: 1,826 claims, 1,641 paid, $106,475,456 in total20212022: 31 claims, 25 paid, $384,088 in total2023: 587 claims, 497 paid, $17,557,322 in total2024: 47 claims, 35 paid, $626,445 in total2025: 69 claims, 49 paid, $1,776,150 in total2026: 15 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 (47)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202615<10––
20256949$1,776,150$36,248
20244735$626,445$17,898
2023587497$17,557,322$35,327
20223125$384,088$15,364
20211,8261,641$106,475,456$64,884
202012<10––
201922<10––
2018150110$2,936,635$26,697
201718<10––
201512<10––
20144623$147,747$6,424
20133020$201,933$10,097
2012463372$27,002,074$72,586
20111,3741,152$34,739,101$30,155
2010259184$1,878,081$10,207
20093017$181,983$10,705
20085638$414,441$10,906
20071,3461,235$40,998,171$33,197
20063517$197,253$11,603
20058161$927,167$15,199
2004195147$2,184,020$14,857
20031710$35,650$3,565
20022817$336,278$19,781
20015832$309,238$9,664
20001913$105,659$8,128
1999262213$5,977,578$28,064
19982618$106,945$5,941
199710<10––
1996349246$2,594,540$10,547
19951610$48,614$4,861
19946237$180,667$4,883
19932110$46,737$4,674
1992320245$5,984,165$24,425
19914538$188,150$4,951
19908158$398,695$6,874
19897042$372,984$8,881
19873718$310,200$17,233
19863720$97,015$4,851
19853613$69,798$5,369
1984805588$3,932,915$6,689
1983339212$465,920$2,198
1982285230$746,053$3,244
19818357$259,656$4,555
19801,118938$4,821,773$5,140
19791,1991,042$5,007,937$4,806
1978233184$820,976$4,462

From 2016 to 2026: 2,777 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 Westchester County

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

Main NFIP communities in the county

Rye (619 home policies) · Mamaroneck (611 home policies) · New Rochelle (519 home policies) · Scarsdale (483 home policies) · Harrison (410 home policies) · Mamaroneck (317 home policies)