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Flood insurance cost · ZIP 11520 · NY

Flood insurance cost in ZIP 11520 (Freeport, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,441 home policies in force on August 31, 2026.

ZIP code 11520 (Freeport, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,854a year

Half of insured homes paid between $1,199 and $2,752. That is 21% more than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (95%).

$0$1,199 · $1,854 · $2,752$3,440
+5.2% vs Aug 31, 2025 (median $1,762)
2,441home policies in force
$2,088average cost (mean)
96%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 11520

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		$1,920$1,225–$2,810$2,1292,326 (95%)+5.4%
Zone X
Moderate to low risk		$1,199$904–$1,371$1,176109 (4%)+14.0%

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 11520, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,264$1,934$2,154
2–4 unit building57$1,829$2,153
Condo or apartment unit120$692$819
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.		50$2,125$4,274
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		121$4,272$5,776

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

2,612NFIP policies in force, any building
2,823insured units (condo association policies count every unit)
60%of home policies also cover contents
$47,000median contents coverage, when bought

One year on: ZIP code 11520

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 force2,5442,441−4.0%
Median annual cost$1,762$1,854+5.2%
Average annual cost$1,980$2,088+5.5%
All policies in force (any building)2,7262,612−4.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11520 have filed 6,598 flood claims. 5,845 received a payment, for a total of $255.2 million (an average of $43,668 per paid claim). The year with the most claims was 2012 (2,670 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 41 claims, 32 paid, $34,822 in total1979: 49 claims, 32 paid, $51,780 in total1980: 31 claims, 18 paid, $25,578 in total19801984: 36 claims, 12 paid, $19,798 in total1985: 280 claims, 225 paid, $1,016,466 in total1987: 156 claims, 115 paid, $370,005 in total1990: 29 claims, 25 paid, $95,746 in total19901991: 307 claims, 266 paid, $2,697,426 in total1992: 642 claims, 551 paid, $4,850,616 in total19921993: 161 claims, 130 paid, $689,008 in total1996: 34 claims, 19 paid, $131,645 in total1998: 29 claims, 17 paid, $97,387 in total1999: 16 claims, 10 paid, $80,581 in total2000: 11 claims20002002: 15 claims2003: 18 claims2005: 120 claims, 91 paid, $514,215 in total2007: 37 claims, 29 paid, $445,621 in total2010: 46 claims, 30 paid, $174,717 in total20102011: 1,305 claims, 1,201 paid, $29,753,197 in total20112012: 2,670 claims, 2,620 paid, $203,019,940 in total20122013: 14 claims2014: 25 claims2016: 15 claims2018: 17 claims20202021: 13 claims2022: 294 claims, 256 paid, $8,933,580 in total2023: 33 claims, 25 paid, $231,925 in total2024: 63 claims, 51 paid, $880,806 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 (29)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20246351$880,806$17,271
20233325$231,925$9,277
2022294256$8,933,580$34,897
202113<10––
201817<10––
201615<10––
201425<10––
201314<10––
20122,6702,620$203,019,940$77,489
20111,3051,201$29,753,197$24,774
20104630$174,717$5,824
20073729$445,621$15,366
200512091$514,215$5,651
200318<10––
200215<10––
200011<10––
19991610$80,581$8,058
19982917$97,387$5,729
19963419$131,645$6,929
1993161130$689,008$5,300
1992642551$4,850,616$8,803
1991307266$2,697,426$10,141
19902925$95,746$3,830
1987156115$370,005$3,217
1985280225$1,016,466$4,518
19843612$19,798$1,650
19803118$25,578$1,421
19794932$51,780$1,618
19784132$34,822$1,088

From 2016 to 2026: 435 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

Freeport (2,409 home policies) · Hempstead (32 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.