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Flood insurance cost · ZIP 10580 · NY

Flood insurance cost in ZIP 10580 (Rye, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 652 home policies in force on August 31, 2026.

ZIP code 10580 (Rye, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,402a year

Half of insured homes paid between $939 and $2,450. That is 55% more than the Westchester County median ($904). The most common flood zone for insured homes here is zone AE (50%).

$0$939 · $1,402 · $2,450$3,062
+15.6% vs Aug 31, 2025 (median $1,213)
652home policies in force
$1,919average cost (mean)
52%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 10580

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		$2,419$1,900–$3,408$2,71911 (2%)−8.9%
Zone AE
High risk		$2,178$1,481–$3,584$2,635326 (50%)+5.3%
Zone X
Moderate to low risk		$1,036$746–$1,302$1,148314 (48%)+7.7%

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 10580, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home611$1,404$1,927
2–4 unit building12$3,047$3,081
Condo or apartment unit29$1,035$1,262
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.		28$9,220$9,996
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		67$5,015$7,011

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

747NFIP policies in force, any building
775insured units (condo association policies count every unit)
82%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 10580

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 force665652−2.0%
Median annual cost$1,213$1,402+15.6%
Average annual cost$1,855$1,919+3.5%
All policies in force (any building)753747−0.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 10580 have filed 1,996 flood claims. 1,650 received a payment, for a total of $60.9 million (an average of $36,902 per paid claim). The year with the most claims was 2007 (303 claims). Amounts are in dollars of the time, not adjusted for inflation.

01002003004001978: 38 claims, 28 paid, $187,769 in total1979: 155 claims, 142 paid, $579,733 in total1980: 168 claims, 152 paid, $664,372 in total19801982: 26 claims, 21 paid, $50,656 in total1983: 19 claims, 10 paid, $13,656 in total1984: 102 claims, 77 paid, $271,351 in total1989: 11 claims19901991: 29 claims, 25 paid, $103,616 in total1992: 108 claims, 86 paid, $2,580,258 in total1996: 119 claims, 88 paid, $1,334,533 in total1999: 13 claims20002004: 68 claims, 51 paid, $835,168 in total2007: 303 claims, 282 paid, $13,090,775 in total20072010: 42 claims, 28 paid, $498,598 in total20102011: 255 claims, 225 paid, $8,399,124 in total20112012: 146 claims, 110 paid, $8,538,583 in total2018: 19 claims, 10 paid, $275,691 in total20202021: 259 claims, 239 paid, $22,151,607 in total20212023: 45 claims, 31 paid, $1,052,054 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 (19)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20234531$1,052,054$33,937
2021259239$22,151,607$92,685
20181910$275,691$27,569
2012146110$8,538,583$77,623
2011255225$8,399,124$37,329
20104228$498,598$17,807
2007303282$13,090,775$46,421
20046851$835,168$16,376
199913<10––
199611988$1,334,533$15,165
199210886$2,580,258$30,003
19912925$103,616$4,145
198911<10––
198410277$271,351$3,524
19831910$13,656$1,366
19822621$50,656$2,412
1980168152$664,372$4,371
1979155142$579,733$4,083
19783828$187,769$6,706

From 2016 to 2026: 323 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

Rye (619 home policies) · Harrison (28 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.