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Flood insurance cost · ZIP 11694 · NY

Flood insurance cost in ZIP 11694 (New York, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,214 home policies in force on August 31, 2026.

ZIP code 11694 (New York, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,400a year

Half of insured homes paid between $1,204 and $1,595. That is 5% more than the Queens County median ($1,333). Most insured homes here are rated in zone X (71%).

$0$1,204 · $1,400 · $1,595$1,994
+16.9% vs Aug 31, 2025 (median $1,198)
2,214home policies in force
$1,531average cost (mean)
29%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 11694

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		$1,758$1,236–$2,340$1,865641 (29%)+1.2%
Zone X
Moderate to low risk		$1,371$1,202–$1,403$1,3951,573 (71%)+16.9%

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 11694, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,592$1,400$1,524
2–4 unit building594$1,402$1,587
Condo or apartment unit28$870$779
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.		81$2,795$4,653
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		74$5,886$5,723

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

2,369NFIP policies in force, any building
2,738insured units (condo association policies count every unit)
87%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11694

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 force2,2782,214−2.8%
Median annual cost$1,198$1,400+16.9%
Average annual cost$1,386$1,531+10.5%
All policies in force (any building)2,4222,369−2.2%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11694 have filed 2,319 flood claims. 2,126 received a payment, for a total of $157.3 million (an average of $73,981 per paid claim). The year with the most claims was 2012 (1,756 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1978: 15 claims, 13 paid, $33,438 in total1979: 21 claims, 20 paid, $72,984 in total1980: 26 claims, 24 paid, $47,555 in total19801981: 21 claims, 18 paid, $54,829 in total1983: 26 claims, 19 paid, $45,334 in total1984: 19 claims19901992: 113 claims, 85 paid, $459,876 in total199220002004: 11 claims2005: 56 claims, 43 paid, $307,756 in total20102011: 100 claims, 89 paid, $1,174,969 in total20112012: 1,756 claims, 1,710 paid, $153,836,784 in total201220202022: 22 claims, 18 paid, $556,476 in total2023: 50 claims, 38 paid, $418,463 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 (13)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20235038$418,463$11,012
20222218$556,476$30,915
20121,7561,710$153,836,784$89,963
201110089$1,174,969$13,202
20055643$307,756$7,157
200411<10––
199211385$459,876$5,410
198419<10––
19832619$45,334$2,386
19812118$54,829$3,046
19802624$47,555$1,981
19792120$72,984$3,649
19781513$33,438$2,572

From 2016 to 2026: 72 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 (2,213 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.