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Flood insurance cost · ZIP 11558 · NY

Flood insurance cost in ZIP 11558 (Hempstead, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,765 home policies in force on August 31, 2026.

ZIP code 11558 (Hempstead, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,678a year

Half of insured homes paid between $1,279 and $2,017. That is 10% more than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (95%).

$0$1,279 · $1,678 · $2,017$2,521
+11.5% vs Aug 31, 2025 (median $1,505)
1,765home policies in force
$1,823average 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 11558

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		$1,698$1,309–$2,036$1,8411,683 (95%)+12.6%
Zone X
Moderate to low risk		$1,259$1,082–$1,404$1,35477 (4%)+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 11558, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,450$1,680$1,846
2–4 unit building228$1,772$1,969
Condo or apartment unit87$834$1,044
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.		30$7,501$7,374
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		72$5,230$5,640

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

1,867NFIP policies in force, any building
1,982insured units (condo association policies count every unit)
71%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11558

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 force1,8251,765−3.3%
Median annual cost$1,505$1,678+11.5%
Average annual cost$1,668$1,823+9.3%
All policies in force (any building)1,9301,867−3.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11558 have filed 3,420 flood claims. 3,125 received a payment, for a total of $203.7 million (an average of $65,172 per paid claim). The year with the most claims was 2012 (1,795 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 27 claims, 24 paid, $122,407 in total1979: 28 claims, 25 paid, $70,961 in total1980: 14 claims, 10 paid, $5,681 in total19801984: 23 claims, 12 paid, $34,376 in total1985: 64 claims, 53 paid, $239,644 in total1987: 53 claims, 46 paid, $170,148 in total19901991: 99 claims, 81 paid, $1,218,330 in total1992: 365 claims, 315 paid, $4,246,772 in total19921993: 47 claims, 40 paid, $296,823 in total1996: 22 claims, 19 paid, $258,586 in total20002005: 78 claims, 69 paid, $803,404 in total2010: 55 claims, 46 paid, $1,197,712 in total20102011: 544 claims, 490 paid, $12,855,195 in total20112012: 1,795 claims, 1,749 paid, $179,040,460 in total20122018: 15 claims, 13 paid, $300,607 in total20202022: 81 claims, 72 paid, $2,409,505 in total2023: 16 claims2024: 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 (18)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202413<10––
202316<10––
20228172$2,409,505$33,465
20181513$300,607$23,124
20121,7951,749$179,040,460$102,367
2011544490$12,855,195$26,235
20105546$1,197,712$26,037
20057869$803,404$11,644
19962219$258,586$13,610
19934740$296,823$7,421
1992365315$4,246,772$13,482
19919981$1,218,330$15,041
19875346$170,148$3,699
19856453$239,644$4,522
19842312$34,376$2,865
19801410$5,681$568
19792825$70,961$2,838
19782724$122,407$5,100

From 2016 to 2026: 125 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 (891 home policies) · Island Park (872 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.