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Flood insurance cost · ZIP 10306 · NY

Flood insurance cost in ZIP 10306 (New York, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,628 home policies in force on August 31, 2026.

ZIP code 10306 (New York, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,010a year

Half of insured homes paid between $802 and $1,258. That is about the same as the Richmond County median ($997). Most insured homes here are rated in zone AE (83%).

$0$802 · $1,010 · $1,258$1,572
+4.8% vs Aug 31, 2025 (median $964)
2,628home policies in force
$1,084average cost (mean)
83%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 10306

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		$1,016$808–$1,277$1,1062,191 (83%)+4.6%
Zone X
Moderate to low risk		$994$783–$1,196$976436 (17%)+6.0%

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 10306, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,247$999$1,075
2–4 unit building339$1,119$1,196
Condo or apartment unit42$498$662
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.		26$3,038$3,710
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		67$3,262$3,672

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

2,721NFIP policies in force, any building
2,859insured units (condo association policies count every unit)
48%of home policies also cover contents
$96,000median contents coverage, when bought

One year on: ZIP code 10306

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 force2,6632,628−1.3%
Median annual cost$964$1,010+4.8%
Average annual cost$1,036$1,084+4.6%
All policies in force (any building)2,7462,721−0.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 10306 have filed 6,440 flood claims. 5,523 received a payment, for a total of $144.4 million (an average of $26,142 per paid claim). The year with the most claims was 2012 (2,457 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 388 claims, 343 paid, $875,222 in total1979: 972 claims, 906 paid, $2,640,958 in total19791980: 731 claims, 621 paid, $1,301,037 in total198019801981: 177 claims, 128 paid, $270,000 in total1982: 132 claims, 85 paid, $111,216 in total1983: 165 claims, 110 paid, $157,352 in total1984: 129 claims, 63 paid, $90,169 in total1985: 20 claims1988: 55 claims, 28 paid, $66,347 in total1989: 12 claims19901992: 185 claims, 161 paid, $1,489,293 in total1993: 32 claims, 21 paid, $72,743 in total1994: 20 claims, 10 paid, $35,491 in total1996: 72 claims, 37 paid, $208,698 in total1999: 16 claims20002003: 10 claims2004: 16 claims2007: 93 claims, 75 paid, $462,181 in total2010: 55 claims, 33 paid, $252,941 in total20102011: 485 claims, 353 paid, $2,464,108 in total2012: 2,457 claims, 2,392 paid, $132,649,491 in total20122014: 19 claims, 11 paid, $49,722 in total2017: 11 claims20202021: 100 claims, 69 paid, $881,552 in total2022: 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202210<10––
202110069$881,552$12,776
201711<10––
20141911$49,722$4,520
20122,4572,392$132,649,491$55,455
2011485353$2,464,108$6,980
20105533$252,941$7,665
20079375$462,181$6,162
200416<10––
200310<10––
199916<10––
19967237$208,698$5,640
19942010$35,491$3,549
19933221$72,743$3,464
1992185161$1,489,293$9,250
198912<10––
19885528$66,347$2,370
198520<10––
198412963$90,169$1,431
1983165110$157,352$1,430
198213285$111,216$1,308
1981177128$270,000$2,109
1980731621$1,301,037$2,095
1979972906$2,640,958$2,915
1978388343$875,222$2,552

From 2016 to 2026: 121 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 (2,628 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.