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Flood insurance cost · ZIP 10308 · NY

Flood insurance cost in ZIP 10308 (New York, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 303 home policies in force on August 31, 2026.

ZIP code 10308 (New York, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,266a year

Half of insured homes paid between $864 and $2,104. That is 27% more than the Richmond County median ($997). Most insured homes here are rated in zone AE (66%).

$0$864 · $1,266 · $2,104$2,630
+10.2% vs Aug 31, 2025 (median $1,149)
303home policies in force
$1,593average cost (mean)
66%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 10308

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		$1,706$1,046–$2,514$1,916199 (66%)+13.1%
Zone X
Moderate to low risk		$819$560–$1,204$970103 (34%)−0.8%

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 10308, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home234$1,328$1,662
2–4 unit building58$1,096$1,430
Condo or apartment unit11$681$997
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$8,000$9,450
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		11$6,087$9,575

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

324NFIP policies in force, any building
396insured units (condo association policies count every unit)
58%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 10308

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 force315303−3.8%
Median annual cost$1,149$1,266+10.2%
Average annual cost$1,457$1,593+9.3%
All policies in force (any building)336324−3.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 10308 have filed 1,375 flood claims. 1,146 received a payment, for a total of $19.8 million (an average of $17,282 per paid claim). The year with the most claims was 1979 (318 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 107 claims, 92 paid, $247,195 in total1979: 318 claims, 286 paid, $767,158 in total19791980: 244 claims, 203 paid, $456,372 in total198019801981: 76 claims, 60 paid, $104,906 in total1982: 62 claims, 30 paid, $35,250 in total1983: 73 claims, 55 paid, $70,657 in total1984: 33 claims, 12 paid, $14,496 in total1988: 28 claims, 20 paid, $79,528 in total19901992: 44 claims, 38 paid, $464,676 in total1996: 18 claims, 14 paid, $162,884 in total20002007: 20 claims, 15 paid, $74,693 in total2010: 29 claims, 22 paid, $255,996 in total20102011: 45 claims, 41 paid, $319,672 in total2012: 239 claims, 232 paid, $16,605,222 in total20122020
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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2012239232$16,605,222$71,574
20114541$319,672$7,797
20102922$255,996$11,636
20072015$74,693$4,980
19961814$162,884$11,635
19924438$464,676$12,228
19882820$79,528$3,976
19843312$14,496$1,208
19837355$70,657$1,285
19826230$35,250$1,175
19817660$104,906$1,748
1980244203$456,372$2,248
1979318286$767,158$2,682
197810792$247,195$2,687

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 (303 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.