Flood insurance cost · ZIP 11976 · NY

Flood insurance cost in ZIP 11976 (Southampton, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 402 home policies in force on August 31, 2026.

ZIP code 11976 (Southampton, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,384a year

Half of insured homes paid between $880 and $1,824. That is about the same as the Suffolk County median ($1,401). Most insured homes here are rated in zone X (67%).

$0$880 · $1,384 · $1,824$2,280

+10.3% vs Aug 31, 2025 (median $1,255)

402home policies in force

$1,608average cost (mean)

33%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 11976

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	$1,694	$1,222–$2,162	$2,105	11 (3%)	−2.8%
Zone AE High risk	$2,274	$1,762–$3,056	$2,661	121 (30%)	+6.4%
Zone X Moderate to low risk	$1,056	$776–$1,427	$1,115	270 (67%)	+3.1%

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 11976, by what they insure.

Type of building	Policies	Median	Average
Single-family home	387	$1,384	$1,621
Condo or apartment unit	15	$1,414	$1,257
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.	10	$3,170	$3,064
Non-residential building or unit Businesses, churches, farm buildings and other non-residential property.	16	$1,639	$1,927

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home.

428NFIP policies in force, any building

449insured units (condo association policies count every unit)

95%of home policies also cover contents

$100,000median contents coverage, when bought

One year on: ZIP code 11976

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	416	402	−3.4%
Median annual cost	$1,255	$1,384	+10.3%
Average annual cost	$1,517	$1,608	+6.0%
All policies in force (any building)	446	428	−4.0%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11976 have filed 134 flood claims. 94 received a payment, for a total of $4,090,694 (an average of $43,518 per paid claim). The year with the most claims was 2012 (58 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 (3)

Swipe the table sideways to see all columns.

Year of loss	Claims	Paid claims	Total paid	Average per paid claim
2012	58	49	$3,565,163	$72,758
2010	13	11	$85,110	$7,737
1992	12	<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

Southampton (400 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.