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Flood insurance cost · ZIP 11701 · NY

Flood insurance cost in ZIP 11701 (Amityville, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,049 home policies in force on August 31, 2026.

ZIP code 11701 (Amityville, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,729a year

Half of insured homes paid between $1,193 and $3,173. That is 23% more than the Suffolk County median ($1,401). Most insured homes here are rated in zone AE (82%).

$0$1,193 · $1,729 · $3,173$3,966
+14.7% vs Aug 31, 2025 (median $1,507)
1,049home policies in force
$2,304average cost (mean)
84%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 11701

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		$2,061$1,672–$4,224$3,09411 (1%)+19.8%
Zone AE
High risk		$2,112$1,257–$3,450$2,522864 (82%)+12.1%
Zone X
Moderate to low risk		$1,200$1,007–$1,372$1,163173 (16%)+16.5%

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 11701, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home999$1,775$2,344
2–4 unit building17$2,183$3,085
Condo or apartment unit33$623$679
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.		39$2,672$2,928
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		19$4,409$7,435

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

1,107NFIP policies in force, any building
1,252insured units (condo association policies count every unit)
69%of home policies also cover contents
$70,000median contents coverage, when bought

One year on: ZIP code 11701

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 force1,1151,049−5.9%
Median annual cost$1,507$1,729+14.7%
Average annual cost$2,122$2,304+8.6%
All policies in force (any building)1,1741,107−5.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11701 have filed 2,340 flood claims. 2,086 received a payment, for a total of $124.4 million (an average of $59,644 per paid claim). The year with the most claims was 2012 (1,105 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k19801984: 18 claims1985: 125 claims, 93 paid, $424,863 in total19901991: 143 claims, 121 paid, $1,063,770 in total1992: 299 claims, 263 paid, $3,215,035 in total19921996: 56 claims, 50 paid, $563,182 in total1998: 13 claims2000: 10 claims20002005: 69 claims, 61 paid, $642,430 in total2007: 14 claims, 12 paid, $128,436 in total2010: 41 claims, 29 paid, $108,653 in total20102011: 320 claims, 296 paid, $8,578,001 in total20112012: 1,105 claims, 1,074 paid, $108,878,987 in total20122014: 32 claims, 25 paid, $421,553 in total2020
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
20143225$421,553$16,862
20121,1051,074$108,878,987$101,377
2011320296$8,578,001$28,980
20104129$108,653$3,747
20071412$128,436$10,703
20056961$642,430$10,532
200010<10––
199813<10––
19965650$563,182$11,264
1992299263$3,215,035$12,224
1991143121$1,063,770$8,791
198512593$424,863$4,568
198418<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

Amityville (717 home policies) · Babylon (330 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.