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Flood insurance cost · ZIP 11518 · NY

Flood insurance cost in ZIP 11518 (East Rockaway, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,118 home policies in force on August 31, 2026.

ZIP code 11518 (East Rockaway, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,587a year

Half of insured homes paid between $1,162 and $2,084. That is 4% more than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (83%).

$0$1,162 · $1,587 · $2,084$2,605
+10.6% vs Aug 31, 2025 (median $1,435)
1,118home policies in force
$1,800average cost (mean)
83%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 11518

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		$1,728$1,197–$2,247$1,923924 (83%)+14.3%
Zone X
Moderate to low risk		$1,198$1,081–$1,364$1,215194 (17%)+16.5%

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 11518, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home987$1,586$1,790
2–4 unit building127$1,762$1,902
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$4,136$6,008
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		60$6,949$7,931

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

1,195NFIP policies in force, any building
1,273insured units (condo association policies count every unit)
66%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11518

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 force1,1691,118−4.4%
Median annual cost$1,435$1,587+10.6%
Average annual cost$1,670$1,800+7.8%
All policies in force (any building)1,2241,195−2.4%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11518 have filed 2,206 flood claims. 1,948 received a payment, for a total of $91.0 million (an average of $46,713 per paid claim). The year with the most claims was 2012 (1,076 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 11 claims19801984: 10 claims1985: 40 claims, 29 paid, $110,970 in total1987: 24 claims, 21 paid, $59,204 in total19901991: 57 claims, 43 paid, $310,157 in total1992: 182 claims, 156 paid, $1,389,829 in total19921993: 47 claims, 39 paid, $208,041 in total1996: 18 claims, 10 paid, $36,099 in total20002005: 105 claims, 78 paid, $521,711 in total2007: 18 claims, 13 paid, $91,626 in total2010: 54 claims, 39 paid, $215,755 in total20102011: 396 claims, 356 paid, $7,257,441 in total20112012: 1,076 claims, 1,054 paid, $79,123,459 in total201220202021: 10 claims2022: 58 claims, 42 paid, $1,134,215 in total2023: 15 claims, 10 paid, $59,922 in total2024: 13 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 (17)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202413<10––
20231510$59,922$5,992
20225842$1,134,215$27,005
202110<10––
20121,0761,054$79,123,459$75,070
2011396356$7,257,441$20,386
20105439$215,755$5,532
20071813$91,626$7,048
200510578$521,711$6,689
19961810$36,099$3,610
19934739$208,041$5,334
1992182156$1,389,829$8,909
19915743$310,157$7,213
19872421$59,204$2,819
19854029$110,970$3,827
198410<10––
197811<10––

From 2016 to 2026: 96 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

East Rockaway (702 home policies) · Hempstead (414 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.