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Flood insurance cost · ZIP 11758 · NY

Flood insurance cost in ZIP 11758 (Oyster Bay, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 2,871 home policies in force on August 31, 2026.

ZIP code 11758 (Oyster Bay, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,420a year

Half of insured homes paid between $1,199 and $2,714. That is 7% less than the Nassau County median ($1,529). Most insured homes here are rated in zone AE (62%).

$0$1,199 · $1,420 · $2,714$3,392
+15.2% vs Aug 31, 2025 (median $1,233)
2,871home policies in force
$2,092average cost (mean)
62%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 11758

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		$2,160$1,453–$3,514$2,6051,767 (62%)+9.3%
Zone X
Moderate to low risk		$1,228$1,084–$1,370$1,2641,100 (38%)+16.3%

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 11758, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home2,852$1,419$2,092
2–4 unit building18$1,398$1,972
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.		11$6,695$5,889
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		32$3,958$4,551

Not shown (fewer than 10 policies): manufactured (mobile) home, condo or apartment unit.

2,914NFIP policies in force, any building
2,914insured units (condo association policies count every unit)
77%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11758

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 force3,0532,871−6.0%
Median annual cost$1,233$1,420+15.2%
Average annual cost$1,925$2,092+8.7%
All policies in force (any building)3,0962,914−5.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11758 have filed 5,389 flood claims. 4,732 received a payment, for a total of $298.4 million (an average of $63,066 per paid claim). The year with the most claims was 2012 (2,721 claims). Amounts are in dollars of the time, not adjusted for inflation.

01k2k3k4k1979: 28 claims, 12 paid, $31,835 in total1980: 39 claims, 24 paid, $32,996 in total19801984: 62 claims, 40 paid, $189,589 in total1985: 188 claims, 138 paid, $806,627 in total1987: 13 claims, 10 paid, $36,546 in total1989: 16 claims19901991: 250 claims, 202 paid, $2,496,731 in total1992: 479 claims, 398 paid, $6,623,665 in total19921993: 16 claims, 10 paid, $63,374 in total1996: 122 claims, 99 paid, $1,245,643 in total1998: 32 claims, 25 paid, $119,557 in total2000: 18 claims, 12 paid, $45,170 in total20002005: 348 claims, 281 paid, $2,437,235 in total2007: 23 claims, 19 paid, $408,845 in total2008: 12 claims2009: 20 claims, 20 paid, $259,811 in total2010: 89 claims, 67 paid, $593,746 in total20102011: 738 claims, 618 paid, $20,965,750 in total20112012: 2,721 claims, 2,656 paid, $260,899,069 in total20122014: 36 claims, 24 paid, $155,740 in total20202021: 11 claims
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 (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
202111<10––
20143624$155,740$6,489
20122,7212,656$260,899,069$98,230
2011738618$20,965,750$33,925
20108967$593,746$8,862
20092020$259,811$12,991
200812<10––
20072319$408,845$21,518
2005348281$2,437,235$8,673
20001812$45,170$3,764
19983225$119,557$4,782
199612299$1,245,643$12,582
19931610$63,374$6,337
1992479398$6,623,665$16,642
1991250202$2,496,731$12,360
198916<10––
19871310$36,546$3,655
1985188138$806,627$5,845
19846240$189,589$4,740
19803924$32,996$1,375
19792812$31,835$2,653

From 2016 to 2026: 11 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

Oyster Bay (2,856 home policies) · Massapequa Park (12 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.