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Flood insurance cost · ZIP 10543 · NY

Flood insurance cost in ZIP 10543 (Mamaroneck, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 632 home policies in force on August 31, 2026.

ZIP code 10543 (Mamaroneck, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,696a year

Half of insured homes paid between $1,080 and $2,810. That is 88% more than the Westchester County median ($904). Most insured homes here are rated in zone AE (60%).

$0$1,080 · $1,696 · $2,810$3,512
+9.3% vs Aug 31, 2025 (median $1,552)
632home policies in force
$2,102average 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 10543

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		$2,616$1,701–$3,854$3,42632 (5%)−1.2%
Zone AE
High risk		$2,319$1,597–$3,275$2,582381 (60%)+3.5%
Zone X
Moderate to low risk		$996$630–$1,354$1,064218 (34%)+4.1%

Not shown (fewer than 10 home policies): 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 10543, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home504$1,479$2,050
2–4 unit building111$2,401$2,537
Condo or apartment unit17$832$828
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.		29$4,735$8,172
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		136$4,840$5,075

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

797NFIP policies in force, any building
1,104insured units (condo association policies count every unit)
72%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 10543

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 force631632+0.2%
Median annual cost$1,552$1,696+9.3%
Average annual cost$1,983$2,102+6.0%
All policies in force (any building)797797±0.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 10543 have filed 2,219 flood claims. 1,921 received a payment, for a total of $65.6 million (an average of $34,148 per paid claim). The year with the most claims was 2021 (335 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 26 claims, 22 paid, $59,582 in total1979: 228 claims, 210 paid, $1,078,482 in total1980: 192 claims, 171 paid, $742,644 in total19801982: 46 claims, 39 paid, $168,408 in total1983: 31 claims, 21 paid, $46,705 in total1984: 141 claims, 119 paid, $374,799 in total1990: 12 claims19901992: 86 claims, 71 paid, $1,762,507 in total1996: 86 claims, 57 paid, $682,542 in total20002004: 57 claims, 48 paid, $639,057 in total2007: 317 claims, 305 paid, $11,769,106 in total20072010: 48 claims, 36 paid, $353,422 in total20102011: 264 claims, 227 paid, $7,835,668 in total20112012: 117 claims, 100 paid, $6,199,649 in total2018: 24 claims, 19 paid, $259,696 in total20202021: 335 claims, 317 paid, $27,798,350 in total20212023: 127 claims, 112 paid, $5,395,871 in total2024: 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202410<10––
2023127112$5,395,871$48,177
2021335317$27,798,350$87,692
20182419$259,696$13,668
2012117100$6,199,649$61,996
2011264227$7,835,668$34,518
20104836$353,422$9,817
2007317305$11,769,106$38,587
20045748$639,057$13,314
19968657$682,542$11,974
19928671$1,762,507$24,824
199012<10––
1984141119$374,799$3,150
19833121$46,705$2,224
19824639$168,408$4,318
1980192171$742,644$4,343
1979228210$1,078,482$5,136
19782622$59,582$2,708

From 2016 to 2026: 496 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 (596 home policies) · Mamaroneck (34 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.