Flood insurance cost · ZIP 11706 · NY

Flood insurance cost in ZIP 11706 (Islip, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,547 home policies in force on August 31, 2026.

ZIP code 11706 (Islip, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,479a year

Half of insured homes paid between $1,178 and $2,160. That is 6% more than the Suffolk County median ($1,401). Most insured homes here are rated in zone AE (63%).

$0$1,178 · $1,479 · $2,160$2,700

+13.9% vs Aug 31, 2025 (median $1,299)

1,547home policies in force

$1,873average 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 11706

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 zone	Median	Middle half (25th–75th percentile)	Average	Policies	vs last year
Zone VE / V High risk, coastal	$1,393	$1,181–$1,650	$1,506	120 (8%)	+11.1%
Zone AE High risk	$1,758	$1,427–$2,841	$2,242	973 (63%)	+12.0%
Zone X Moderate to low risk	$1,130	$860–$1,269	$1,179	453 (29%)	+10.0%

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 11706, by what they insure.

Type of building	Policies	Median	Average
Single-family home	1,500	$1,484	$1,890
2–4 unit building	15	$1,632	$1,963
Condo or apartment unit	32	$1,046	$1,025
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.	15	$1,525	$2,461
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	76	$3,540	$5,107

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

1,638NFIP policies in force, any building

1,657insured units (condo association policies count every unit)

88%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 11706

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, 2025	Aug 31, 2026	Change
Home policies in force	1,624	1,547	−4.7%
Median annual cost	$1,299	$1,479	+13.9%
Average annual cost	$1,714	$1,873	+9.3%
All policies in force (any building)	1,715	1,638	−4.5%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11706 have filed 2,052 flood claims. 1,694 received a payment, for a total of $79.9 million (an average of $47,144 per paid claim). The year with the most claims was 2012 (1,160 claims). Amounts are in dollars of the time, not adjusted for inflation.

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 loss	Claims	Paid claims	Total paid	Average per paid claim
2024	15	13	$1,142,023	$87,848
2014	43	34	$397,125	$11,680
2012	1,160	1,045	$65,098,152	$62,295
2011	62	53	$1,008,453	$19,027
2010	11	<10	–	–
2005	83	70	$879,463	$12,564
1996	12	<10	–	–
1993	110	87	$2,402,376	$27,614
1992	162	121	$4,647,909	$38,412
1991	167	123	$1,518,110	$12,342
1989	24	12	$80,480	$6,707
1985	80	50	$276,516	$5,530
1979	17	13	$22,347	$1,719

From 2016 to 2026: 15 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

Islip (1,156 home policies) · Saltaire (287 home policies) · Brookhaven (97 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.