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Flood insurance cost · ZIP 11757 · NY

Flood insurance cost in ZIP 11757 (Babylon, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,794 home policies in force on August 31, 2026.

ZIP code 11757 (Babylon, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,664a year

Half of insured homes paid between $1,142 and $2,763. That is 19% more than the Suffolk County median ($1,401). Most insured homes here are rated in zone AE (84%).

$0$1,142 · $1,664 · $2,763$3,454
+14.8% vs Aug 31, 2025 (median $1,450)
1,794home policies in force
$2,079average cost (mean)
85%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 11757

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		$2,738$1,294–$3,710$2,77912 (1%)−12.5%
Zone AE
High risk		$1,883$1,200–$2,971$2,2421,504 (84%)+10.9%
Zone X
Moderate to low risk		$1,199$1,046–$1,363$1,160276 (15%)+16.6%

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 11757, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,724$1,652$2,070
2–4 unit building66$1,932$2,397
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		28$3,790$5,271

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

1,825NFIP policies in force, any building
1,825insured units (condo association policies count every unit)
63%of home policies also cover contents
$58,000median contents coverage, when bought

One year on: ZIP code 11757

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 force1,8901,794−5.1%
Median annual cost$1,450$1,664+14.8%
Average annual cost$1,902$2,079+9.3%
All policies in force (any building)1,9211,825−5.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11757 have filed 4,759 flood claims. 4,210 received a payment, for a total of $169.0 million (an average of $40,139 per paid claim). The year with the most claims was 2012 (1,976 claims). Amounts are in dollars of the time, not adjusted for inflation.

05001k1.5k2k1979: 33 claims, 20 paid, $31,259 in total1980: 30 claims, 21 paid, $26,883 in total19801982: 12 claims1983: 14 claims1984: 71 claims, 33 paid, $64,283 in total1985: 240 claims, 202 paid, $1,018,534 in total1989: 20 claims19901991: 305 claims, 256 paid, $2,261,744 in total1992: 533 claims, 482 paid, $4,544,667 in total19921996: 213 claims, 187 paid, $1,710,600 in total1998: 24 claims, 15 paid, $70,433 in total2000: 13 claims20002002: 12 claims2005: 238 claims, 196 paid, $2,065,315 in total2006: 10 claims2007: 38 claims, 34 paid, $475,524 in total2009: 25 claims, 20 paid, $362,851 in total2010: 84 claims, 65 paid, $498,206 in total20102011: 490 claims, 434 paid, $11,005,624 in total20112012: 1,976 claims, 1,931 paid, $141,119,224 in total20122014: 98 claims, 70 paid, $775,109 in total2015: 12 claims2016: 12 claims2017: 27 claims, 23 paid, $224,604 in total2018: 17 claims, 14 paid, $90,260 in total2019: 19 claims, 15 paid, $139,071 in total2020: 20 claims, 17 paid, $261,701 in total20202022: 17 claims, 15 paid, $160,625 in total2023: 17 claims, 13 paid, $243,844 in total2024: 38 claims, 34 paid, $888,154 in total2025: 13 claims, 13 paid, $183,754 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 (31)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20251313$183,754$14,135
20243834$888,154$26,122
20231713$243,844$18,757
20221715$160,625$10,708
20202017$261,701$15,394
20191915$139,071$9,271
20181714$90,260$6,447
20172723$224,604$9,765
201612<10––
201512<10––
20149870$775,109$11,073
20121,9761,931$141,119,224$73,081
2011490434$11,005,624$25,359
20108465$498,206$7,665
20092520$362,851$18,143
20073834$475,524$13,986
200610<10––
2005238196$2,065,315$10,537
200212<10––
200013<10––
19982415$70,433$4,696
1996213187$1,710,600$9,148
1992533482$4,544,667$9,429
1991305256$2,261,744$8,835
198920<10––
1985240202$1,018,534$5,042
19847133$64,283$1,948
198314<10––
198212<10––
19803021$26,883$1,280
19793320$31,259$1,563

From 2016 to 2026: 180 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

Babylon (934 home policies) · Lindenhurst (860 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.