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Flood insurance cost · ZIP 11572 · NY

Flood insurance cost in ZIP 11572 (Hempstead, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 3,562 home policies in force on August 31, 2026.

ZIP code 11572 (Hempstead, 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 $1,247 and $1,861. That is 4% more than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (78%).

$0$1,247 · $1,587 · $1,861$2,326
+11.8% vs Aug 31, 2025 (median $1,420)
3,562home policies in force
$1,679average cost (mean)
78%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 11572

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		$1,967$1,768–$3,012$2,48815 (0%)+17.2%
Zone AE
High risk		$1,718$1,437–$1,966$1,8082,779 (78%)+14.2%
Zone X
Moderate to low risk		$1,201$1,081–$1,365$1,196768 (22%)+14.4%

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 11572, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home3,399$1,588$1,716
2–4 unit building31$1,426$1,669
Condo or apartment unit131$627$721
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.		75$2,039$4,450
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		147$4,577$5,799

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

3,784NFIP policies in force, any building
4,017insured units (condo association policies count every unit)
86%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11572

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 force3,7033,562−3.8%
Median annual cost$1,420$1,587+11.8%
Average annual cost$1,523$1,679+10.2%
All policies in force (any building)3,9263,784−3.6%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11572 have filed 4,458 flood claims. 3,950 received a payment, for a total of $261.0 million (an average of $66,086 per paid claim). The year with the most claims was 2012 (2,948 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1978: 23 claims, 12 paid, $13,938 in total1979: 45 claims, 35 paid, $71,073 in total1980: 28 claims, 23 paid, $34,712 in total19801983: 22 claims, 11 paid, $16,148 in total1984: 22 claims1985: 55 claims, 30 paid, $111,289 in total1987: 29 claims, 19 paid, $52,303 in total19901991: 39 claims, 30 paid, $281,783 in total1992: 189 claims, 120 paid, $1,083,016 in total19921993: 21 claims, 10 paid, $91,643 in total1996: 33 claims, 19 paid, $41,969 in total20002005: 140 claims, 116 paid, $847,182 in total2007: 13 claims2010: 104 claims, 68 paid, $396,802 in total20102011: 491 claims, 407 paid, $7,970,374 in total20112012: 2,948 claims, 2,866 paid, $247,311,113 in total20122018: 10 claims20202021: 15 claims2022: 34 claims, 25 paid, $818,526 in total2023: 93 claims, 75 paid, $947,346 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 (20)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20239375$947,346$12,631
20223425$818,526$32,741
202115<10––
201810<10––
20122,9482,866$247,311,113$86,291
2011491407$7,970,374$19,583
201010468$396,802$5,835
200713<10––
2005140116$847,182$7,303
19963319$41,969$2,209
19932110$91,643$9,164
1992189120$1,083,016$9,025
19913930$281,783$9,393
19872919$52,303$2,753
19855530$111,289$3,710
198422<10––
19832211$16,148$1,468
19802823$34,712$1,509
19794535$71,073$2,031
19782312$13,938$1,162

From 2016 to 2026: 152 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 (3,559 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.