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Flood insurance cost · ZIP 11710 · NY

Flood insurance cost in ZIP 11710 (Hempstead, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,511 home policies in force on August 31, 2026.

ZIP code 11710 (Hempstead, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,586a year

Half of insured homes paid between $1,202 and $2,019. That is 4% more than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (70%).

$0$1,202 · $1,586 · $2,019$2,524
+11.9% vs Aug 31, 2025 (median $1,417)
1,511home policies in force
$1,831average 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 11710

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		$2,193$1,434–$2,420$2,15717 (1%)±0.0%
Zone AE
High risk		$1,781$1,467–$2,281$2,0731,058 (70%)+9.1%
Zone X
Moderate to low risk		$1,201$1,103–$1,398$1,230436 (29%)+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 11710, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,497$1,586$1,833
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		34$4,496$5,955

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit, whole residential building (5+ units or condo association).

1,546NFIP policies in force, any building
1,565insured units (condo association policies count every unit)
79%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11710

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 force1,5891,511−4.9%
Median annual cost$1,417$1,586+11.9%
Average annual cost$1,678$1,831+9.1%
All policies in force (any building)1,6241,546−4.8%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11710 have filed 2,216 flood claims. 1,885 received a payment, for a total of $80.4 million (an average of $42,634 per paid claim). The year with the most claims was 2012 (1,163 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 37 claims, 28 paid, $69,857 in total1980: 19 claims, 16 paid, $55,845 in total19801984: 15 claims1985: 77 claims, 55 paid, $270,355 in total1987: 21 claims, 17 paid, $50,643 in total19901991: 87 claims, 71 paid, $638,887 in total1992: 138 claims, 118 paid, $1,177,586 in total19921993: 34 claims, 27 paid, $104,529 in total1998: 11 claims20002005: 75 claims, 60 paid, $365,923 in total2010: 23 claims, 14 paid, $58,979 in total20102011: 352 claims, 275 paid, $7,233,953 in total20112012: 1,163 claims, 1,097 paid, $67,050,659 in total20122014: 11 claims20202022: 22 claims, 17 paid, $542,022 in total2023: 20 claims, 16 paid, $704,596 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 (16)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20232016$704,596$44,037
20222217$542,022$31,884
201411<10––
20121,1631,097$67,050,659$61,122
2011352275$7,233,953$26,305
20102314$58,979$4,213
20057560$365,923$6,099
199811<10––
19933427$104,529$3,871
1992138118$1,177,586$9,980
19918771$638,887$8,998
19872117$50,643$2,979
19857755$270,355$4,916
198415<10––
19801916$55,845$3,490
19793728$69,857$2,495

From 2016 to 2026: 42 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 (1,510 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.