Menu

Flood insurance cost · ZIP 11561 · NY

Flood insurance cost in ZIP 11561 (Long Beach, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 6,596 home policies in force on August 31, 2026.

ZIP code 11561 (Long Beach, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,936a year

Half of insured homes paid between $1,397 and $2,546. That is 27% more than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (98%).

$0$1,397 · $1,936 · $2,546$3,182
+9.9% vs Aug 31, 2025 (median $1,761)
6,596home policies in force
$2,025average cost (mean)
99%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 11561

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 VE / V
High risk, coastal		$651$420–$896$84937 (1%)+14.2%
Zone AE
High risk		$1,946$1,418–$2,563$2,0356,479 (98%)+10.4%
Zone X
Moderate to low risk		$1,762$1,305–$2,017$1,74280 (1%)+17.1%

Not shown (fewer than 10 home policies): 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 11561, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home5,005$1,969$2,078
2–4 unit building1,418$1,949$1,996
Condo or apartment unit173$649$729
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.		196$6,844$9,409
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		175$4,493$4,759

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

6,967NFIP policies in force, any building
9,186insured units (condo association policies count every unit)
57%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11561

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 force6,6886,596−1.4%
Median annual cost$1,761$1,936+9.9%
Average annual cost$1,893$2,025+7.0%
All policies in force (any building)7,0446,967−1.1%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11561 have filed 9,653 flood claims. 8,666 received a payment, for a total of $497.8 million (an average of $57,441 per paid claim). The year with the most claims was 2012 (6,539 claims). Amounts are in dollars of the time, not adjusted for inflation.

02k4k6k8k1978: 35 claims, 27 paid, $45,706 in total1979: 29 claims, 22 paid, $64,537 in total1980: 29 claims, 21 paid, $40,541 in total19801983: 18 claims1984: 58 claims, 26 paid, $68,072 in total1985: 240 claims, 174 paid, $640,816 in total1987: 31 claims, 21 paid, $90,353 in total1989: 10 claims19901991: 83 claims, 64 paid, $738,604 in total1992: 533 claims, 435 paid, $4,366,964 in total19921993: 28 claims, 18 paid, $92,532 in total1995: 11 claims1996: 17 claims, 10 paid, $79,958 in total1998: 13 claims, 10 paid, $22,356 in total20002002: 13 claims2003: 42 claims, 23 paid, $58,074 in total2004: 10 claims2005: 430 claims, 339 paid, $2,587,095 in total2007: 12 claims2010: 105 claims, 69 paid, $636,955 in total20102011: 1,123 claims, 952 paid, $15,430,909 in total20112012: 6,539 claims, 6,287 paid, $470,755,548 in total20122013: 23 claims, 10 paid, $120,927 in total2014: 21 claims2018: 10 claims2020: 13 claims20202022: 16 claims, 11 paid, $186,838 in total2023: 84 claims, 68 paid, $1,231,274 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 (28)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20238468$1,231,274$18,107
20221611$186,838$16,985
202013<10––
201810<10––
201421<10––
20132310$120,927$12,093
20126,5396,287$470,755,548$74,878
20111,123952$15,430,909$16,209
201010569$636,955$9,231
200712<10––
2005430339$2,587,095$7,632
200410<10––
20034223$58,074$2,525
200213<10––
19981310$22,356$2,236
19961710$79,958$7,996
199511<10––
19932818$92,532$5,141
1992533435$4,366,964$10,039
19918364$738,604$11,541
198910<10––
19873121$90,353$4,303
1985240174$640,816$3,683
19845826$68,072$2,618
198318<10––
19802921$40,541$1,931
19792922$64,537$2,934
19783527$45,706$1,693

From 2016 to 2026: 123 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

Long Beach (5,564 home policies) · Hempstead (1,031 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.