Flood insurance cost · ZIP 11414 · NY

Flood insurance cost in ZIP 11414 (New York, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,904 home policies in force on August 31, 2026.

ZIP code 11414 (New York, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,228a year

Half of insured homes paid between $962 and $1,458. That is 8% less than the Queens County median ($1,333). Most insured homes here are rated in zone X (76%).

$0$962 · $1,228 · $1,458$1,822

+14.9% vs Aug 31, 2025 (median $1,069)

1,904home policies in force

$1,560average cost (mean)

24%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 11414

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone AE High risk	$2,630	$1,684–$3,642	$2,836	450 (24%)	+6.4%
Zone X Moderate to low risk	$1,183	$906–$1,364	$1,162	1,453 (76%)	+15.0%

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 11414, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,516	$1,199	$1,522
2–4 unit building	363	$1,401	$1,766
Condo or apartment unit	25	$945	$895
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.	23	$4,241	$6,377
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	64	$4,437	$5,147

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

1,991NFIP policies in force, any building

2,101insured units (condo association policies count every unit)

85%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 11414

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, 2025	Aug 31, 2026	Change
Home policies in force	2,029	1,904	−6.2%
Median annual cost	$1,069	$1,228	+14.9%
Average annual cost	$1,420	$1,560	+9.9%
All policies in force (any building)	2,111	1,991	−5.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11414 have filed 2,033 flood claims. 1,763 received a payment, for a total of $76.8 million (an average of $43,540 per paid claim). The year with the most claims was 2012 (860 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 (21)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2024	26	16	$234,067	$14,629
2023	31	22	$285,759	$12,989
2022	169	148	$4,686,833	$31,668
2021	27	24	$406,852	$16,952
2018	21	<10	–	–
2014	114	99	$2,375,562	$23,996
2012	860	835	$61,985,589	$74,234
2011	277	249	$4,514,682	$18,131
2010	15	10	$73,112	$7,311
2007	12	11	$47,897	$4,354
2005	11	<10	–	–
1993	63	49	$265,592	$5,420
1992	135	120	$981,553	$8,180
1991	17	15	$85,190	$5,679
1987	16	12	$51,563	$4,297
1985	15	<10	–	–
1984	38	13	$18,212	$1,401
1983	21	<10	–	–
1980	19	17	$38,921	$2,289
1979	37	24	$44,479	$1,853
1978	19	15	$47,203	$3,147

From 2016 to 2026: 274 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 (1,904 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.