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Flood insurance cost · ZIP 10538 · NY

Flood insurance cost in ZIP 10538 (Mamaroneck, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 526 home policies in force on August 31, 2026.

ZIP code 10538 (Mamaroneck, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,293a year

Half of insured homes paid between $814 and $1,856. That is 43% more than the Westchester County median ($904). Most insured homes here are rated in zone X (54%).

$0$814 · $1,293 · $1,856$2,320
+9.8% vs Aug 31, 2025 (median $1,178)
526home policies in force
$1,616average cost (mean)
46%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 10538

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		$1,833$1,408–$2,679$2,395215 (41%)+2.8%
Zone A
High risk		$2,235$1,682–$2,734$2,19225 (5%)−4.4%
Zone X
Moderate to low risk		$884$616–$1,199$964282 (54%)+0.3%

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 ZIP code 10538, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home523$1,296$1,619
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		23$2,223$3,162

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

551NFIP policies in force, any building
551insured units (condo association policies count every unit)
81%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 10538

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 force544526−3.3%
Median annual cost$1,178$1,293+9.8%
Average annual cost$1,541$1,616+4.9%
All policies in force (any building)570551−3.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 10538 have filed 866 flood claims. 731 received a payment, for a total of $15.6 million (an average of $21,372 per paid claim). The year with the most claims was 2021 (176 claims). Amounts are in dollars of the time, not adjusted for inflation.

0501001502001978: 13 claims, 12 paid, $35,717 in total1979: 56 claims, 50 paid, $127,417 in total1980: 52 claims, 46 paid, $137,776 in total19801982: 26 claims, 23 paid, $56,344 in total1983: 18 claims1984: 27 claims, 25 paid, $98,316 in total19901992: 59 claims, 42 paid, $772,605 in total1996: 46 claims, 40 paid, $194,885 in total20002004: 12 claims2007: 101 claims, 90 paid, $1,708,227 in total20072010: 21 claims, 13 paid, $106,131 in total20102011: 46 claims, 35 paid, $488,826 in total2012: 83 claims, 74 paid, $3,615,040 in total201220202021: 176 claims, 161 paid, $6,446,209 in total20212023: 61 claims, 59 paid, $1,426,769 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 (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20236159$1,426,769$24,183
2021176161$6,446,209$40,039
20128374$3,615,040$48,852
20114635$488,826$13,966
20102113$106,131$8,164
200710190$1,708,227$18,980
200412<10––
19964640$194,885$4,872
19925942$772,605$18,395
19842725$98,316$3,933
198318<10––
19822623$56,344$2,450
19805246$137,776$2,995
19795650$127,417$2,548
19781312$35,717$2,976

From 2016 to 2026: 237 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

Mamaroneck (269 home policies) · Larchmont (236 home policies) · New Rochelle (11 home policies) · Mamaroneck (10 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.