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Flood insurance cost · ZIP 10305 · NY

Flood insurance cost in ZIP 10305 (New York, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,044 home policies in force on August 31, 2026.

ZIP code 10305 (New York, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,103a year

Half of insured homes paid between $858 and $1,400. That is 11% more than the Richmond County median ($997). Most insured homes here are rated in zone AE (79%).

$0$858 · $1,103 · $1,400$1,750
+7.0% vs Aug 31, 2025 (median $1,031)
1,044home policies in force
$1,202average cost (mean)
79%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 ZIP code 10305

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		$1,136$883–$1,462$1,261820 (79%)+5.0%
Zone X
Moderate to low risk		$1,028$788–$1,197$988224 (21%)+5.2%

Not shown (fewer than 10 home policies): VE, A, 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 ZIP code 10305, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home799$1,106$1,203
2–4 unit building228$1,128$1,236
Condo or apartment unit17$734$697
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.		22$1,810$2,396
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		44$4,060$4,794

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

1,110NFIP policies in force, any building
1,135insured units (condo association policies count every unit)
53%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 10305

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 force1,0731,044−2.7%
Median annual cost$1,031$1,103+7.0%
Average annual cost$1,149$1,202+4.6%
All policies in force (any building)1,1431,110−2.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 10305 have filed 3,604 flood claims. 3,095 received a payment, for a total of $70.5 million (an average of $22,790 per paid claim). The year with the most claims was 2012 (1,156 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 423 claims, 400 paid, $1,320,401 in total1979: 499 claims, 454 paid, $1,485,487 in total19791980: 445 claims, 366 paid, $776,805 in total198019801981: 134 claims, 109 paid, $184,902 in total1982: 54 claims, 30 paid, $42,495 in total1983: 165 claims, 129 paid, $219,019 in total1984: 43 claims, 19 paid, $32,991 in total1985: 13 claims1988: 37 claims, 22 paid, $74,149 in total19901991: 17 claims1992: 47 claims, 34 paid, $293,802 in total1994: 11 claims1996: 31 claims, 19 paid, $101,734 in total20002004: 14 claims2007: 58 claims, 51 paid, $336,584 in total2010: 36 claims, 19 paid, $116,521 in total20102011: 254 claims, 198 paid, $1,477,543 in total2012: 1,156 claims, 1,125 paid, $63,072,781 in total20122015: 10 claims20202021: 57 claims, 48 paid, $485,173 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20215748$485,173$10,108
201510<10––
20121,1561,125$63,072,781$56,065
2011254198$1,477,543$7,462
20103619$116,521$6,133
20075851$336,584$6,600
200414<10––
19963119$101,734$5,354
199411<10––
19924734$293,802$8,641
199117<10––
19883722$74,149$3,370
198513<10––
19844319$32,991$1,736
1983165129$219,019$1,698
19825430$42,495$1,416
1981134109$184,902$1,696
1980445366$776,805$2,122
1979499454$1,485,487$3,272
1978423400$1,320,401$3,301

From 2016 to 2026: 57 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.

NFIP communities in this ZIP code

New York (1,044 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.