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Flood insurance cost · ZIP 11510 · NY

Flood insurance cost in ZIP 11510 (Hempstead, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,284 home policies in force on August 31, 2026.

ZIP code 11510 (Hempstead, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,652a year

Half of insured homes paid between $1,274 and $2,002. That is 8% more than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (73%).

$0$1,274 · $1,652 · $2,002$2,502
+12.5% vs Aug 31, 2025 (median $1,468)
1,284home policies in force
$1,858average cost (mean)
73%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 11510

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		$1,770$1,529–$2,142$2,055933 (73%)+11.5%
Zone X
Moderate to low risk		$1,259$1,197–$1,400$1,313343 (27%)+16.7%

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 11510, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,267$1,651$1,861
2–4 unit building14$1,727$1,936
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.		17$2,630$3,310
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		25$5,765$6,276

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

1,326NFIP policies in force, any building
1,326insured 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 11510

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 force1,3461,284−4.6%
Median annual cost$1,468$1,652+12.5%
Average annual cost$1,672$1,858+11.1%
All policies in force (any building)1,3881,326−4.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11510 have filed 2,126 flood claims. 1,849 received a payment, for a total of $92.4 million (an average of $49,964 per paid claim). The year with the most claims was 2012 (1,115 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 24 claims, 15 paid, $27,042 in total1979: 26 claims, 16 paid, $29,140 in total1980: 31 claims, 26 paid, $44,622 in total19801984: 15 claims1985: 58 claims, 37 paid, $144,658 in total1987: 22 claims, 16 paid, $61,325 in total19901991: 57 claims, 49 paid, $617,644 in total1992: 149 claims, 118 paid, $1,138,977 in total19921993: 35 claims, 26 paid, $153,071 in total1996: 11 claims20002005: 43 claims, 32 paid, $370,167 in total2010: 27 claims, 16 paid, $82,056 in total20102011: 330 claims, 286 paid, $6,688,148 in total20112012: 1,115 claims, 1,083 paid, $80,627,779 in total20122014: 17 claims20202022: 36 claims, 30 paid, $1,223,700 in total2023: 39 claims, 35 paid, $677,147 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20233935$677,147$19,347
20223630$1,223,700$40,790
201417<10––
20121,1151,083$80,627,779$74,449
2011330286$6,688,148$23,385
20102716$82,056$5,128
20054332$370,167$11,568
199611<10––
19933526$153,071$5,887
1992149118$1,138,977$9,652
19915749$617,644$12,605
19872216$61,325$3,833
19855837$144,658$3,910
198415<10––
19803126$44,622$1,716
19792616$29,140$1,821
19782415$27,042$1,803

From 2016 to 2026: 75 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

Hempstead (1,278 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.