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Flood insurance cost · ZIP 11693 · NY

Flood insurance cost in ZIP 11693 (New York, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 822 home policies in force on August 31, 2026.

ZIP code 11693 (New York, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,422a year

Half of insured homes paid between $1,119 and $2,864. That is 7% more than the Queens County median ($1,333). Most insured homes here are rated in zone AE (71%).

$0$1,119 · $1,422 · $2,864$3,580
+15.0% vs Aug 31, 2025 (median $1,236)
822home policies in force
$2,027average cost (mean)
71%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 11693

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		$1,973$1,024–$3,216$2,287583 (71%)+7.3%
Zone X
Moderate to low risk		$1,365$1,202–$1,403$1,350235 (29%)+16.8%

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 11693, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home682$1,568$2,142
2–4 unit building116$1,401$1,644
Condo or apartment unit24$518$595
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.		34$5,072$6,051
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		30$5,783$5,961

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

886NFIP policies in force, any building
1,248insured units (condo association policies count every unit)
70%of home policies also cover contents
$50,000median contents coverage, when bought

One year on: ZIP code 11693

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 force838822−1.9%
Median annual cost$1,236$1,422+15.0%
Average annual cost$1,858$2,027+9.1%
All policies in force (any building)906886−2.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11693 have filed 1,605 flood claims. 1,404 received a payment, for a total of $94.3 million (an average of $67,179 per paid claim). The year with the most claims was 2012 (808 claims). Amounts are in dollars of the time, not adjusted for inflation.

02505007501k1978: 31 claims, 19 paid, $18,470 in total1980: 39 claims, 29 paid, $41,999 in total19801985: 20 claims, 14 paid, $32,264 in total1987: 29 claims, 24 paid, $68,527 in total19901991: 42 claims, 36 paid, $305,307 in total1992: 239 claims, 215 paid, $2,464,704 in total19921993: 60 claims, 42 paid, $246,654 in total20002004: 10 claims2005: 12 claims20102011: 156 claims, 120 paid, $2,321,691 in total20112012: 808 claims, 783 paid, $86,525,231 in total201220202022: 54 claims, 49 paid, $1,686,645 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 (12)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20225449$1,686,645$34,421
2012808783$86,525,231$110,505
2011156120$2,321,691$19,347
200512<10––
200410<10––
19936042$246,654$5,873
1992239215$2,464,704$11,464
19914236$305,307$8,481
19872924$68,527$2,855
19852014$32,264$2,305
19803929$41,999$1,448
19783119$18,470$972

From 2016 to 2026: 54 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

New York (822 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.