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Flood insurance cost · ZIP 11782 · NY

Flood insurance cost in ZIP 11782 (Brookhaven, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,001 home policies in force on August 31, 2026.

ZIP code 11782 (Brookhaven, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,460a year

Half of insured homes paid between $1,204 and $2,164. That is 4% more than the Suffolk County median ($1,401). Most insured homes here are rated in zone AE (60%).

$0$1,204 · $1,460 · $2,164$2,705
+12.7% vs Aug 31, 2025 (median $1,296)
1,001home policies in force
$1,940average 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 11782

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		$1,594$1,295–$2,348$2,007108 (11%)+6.1%
Zone AE
High risk		$1,764$1,372–$2,760$2,289602 (60%)+15.4%
Zone X
Moderate to low risk		$1,202$1,006–$1,398$1,185290 (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 11782, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home935$1,470$1,926
2–4 unit building40$1,874$3,042
Condo or apartment unit26$662$757
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.		19$1,786$2,921
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		31$3,736$5,816

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

1,051NFIP policies in force, any building
1,051insured units (condo association policies count every unit)
93%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11782

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 force1,0371,001−3.5%
Median annual cost$1,296$1,460+12.7%
Average annual cost$1,762$1,940+10.1%
All policies in force (any building)1,0911,051−3.7%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11782 have filed 1,011 flood claims. 796 received a payment, for a total of $35.1 million (an average of $44,066 per paid claim). The year with the most claims was 2012 (454 claims). Amounts are in dollars of the time, not adjusted for inflation.

020040060080019801985: 12 claims1990: 15 claims, 12 paid, $87,593 in total19901991: 86 claims, 58 paid, $616,043 in total19911992: 94 claims, 71 paid, $1,914,124 in total19921993: 49 claims, 37 paid, $942,952 in total1994: 10 claims1995: 35 claims, 26 paid, $2,000,006 in total1996: 25 claims, 19 paid, $1,105,012 in total20002005: 43 claims, 32 paid, $888,029 in total2010: 11 claims20102011: 47 claims, 32 paid, $992,254 in total2012: 454 claims, 410 paid, $22,612,296 in total20122018: 12 claims20202024: 21 claims, 16 paid, $1,320,867 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 (14)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242116$1,320,867$82,554
201812<10––
2012454410$22,612,296$55,152
20114732$992,254$31,008
201011<10––
20054332$888,029$27,751
19962519$1,105,012$58,159
19953526$2,000,006$76,923
199410<10––
19934937$942,952$25,485
19929471$1,914,124$26,959
19918658$616,043$10,621
19901512$87,593$7,299
198512<10––

From 2016 to 2026: 33 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

Brookhaven (633 home policies) · Islip (345 home policies) · Mastic Beach (15 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.