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Flood insurance cost · ZIP 11978 · NY

Flood insurance cost in ZIP 11978 (Westhampton Beach, NY)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,000 home policies in force on August 31, 2026.

ZIP code 11978 (Westhampton Beach, NY)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,799a year

Half of insured homes paid between $1,418 and $2,846. That is 28% more than the Suffolk County median ($1,401). Most insured homes here are rated in zone AE (64%).

$0$1,418 · $1,799 · $2,846$3,558
+14.0% vs Aug 31, 2025 (median $1,578)
1,000home policies in force
$2,466average cost (mean)
84%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 11978

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		$2,217$1,569–$3,304$2,587195 (20%)−0.2%
Zone AE
High risk		$1,892$1,431–$3,154$2,654645 (64%)+13.0%
Zone X
Moderate to low risk		$1,444$1,311–$1,630$1,560160 (16%)+15.0%

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 11978, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home914$1,866$2,559
2–4 unit building12$2,148$2,701
Condo or apartment unit74$952$1,276
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.		52$7,671$12,408
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		62$4,843$5,557

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

1,114NFIP policies in force, any building
1,402insured units (condo association policies count every unit)
85%of home policies also cover contents
$100,000median contents coverage, when bought

One year on: ZIP code 11978

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 force1,0141,000−1.4%
Median annual cost$1,578$1,799+14.0%
Average annual cost$2,294$2,466+7.5%
All policies in force (any building)1,1291,114−1.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 11978 have filed 1,775 flood claims. 1,255 received a payment, for a total of $49.3 million (an average of $39,253 per paid claim). The year with the most claims was 2012 (433 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001978: 34 claims, 25 paid, $108,524 in total1979: 14 claims, 11 paid, $12,511 in total1980: 66 claims, 51 paid, $129,934 in total19801981: 14 claims1982: 14 claims, 10 paid, $213,707 in total1983: 43 claims, 30 paid, $462,561 in total1984: 74 claims, 42 paid, $639,934 in total1985: 112 claims, 58 paid, $374,165 in total1986: 32 claims, 10 paid, $140,482 in total1987: 50 claims, 28 paid, $647,214 in total1989: 12 claims1990: 12 claims19901991: 186 claims, 143 paid, $4,664,590 in total19911992: 154 claims, 109 paid, $6,850,304 in total1993: 196 claims, 159 paid, $6,079,043 in total19931994: 20 claims, 11 paid, $912,434 in total1997: 29 claims, 22 paid, $234,127 in total1998: 14 claims, 10 paid, $402,129 in total20002005: 42 claims, 31 paid, $314,130 in total2010: 24 claims, 14 paid, $190,585 in total20102011: 64 claims, 43 paid, $1,297,125 in total2012: 433 claims, 346 paid, $21,144,055 in total20122017: 13 claims, 12 paid, $488,016 in total2018: 10 claims20202024: 57 claims, 42 paid, $2,661,429 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 (25)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20245742$2,661,429$63,367
201810<10––
20171312$488,016$40,668
2012433346$21,144,055$61,110
20116443$1,297,125$30,166
20102414$190,585$13,613
20054231$314,130$10,133
19981410$402,129$40,213
19972922$234,127$10,642
19942011$912,434$82,949
1993196159$6,079,043$38,233
1992154109$6,850,304$62,847
1991186143$4,664,590$32,620
199012<10––
198912<10––
19875028$647,214$23,115
19863210$140,482$14,048
198511258$374,165$6,451
19847442$639,934$15,237
19834330$462,561$15,419
19821410$213,707$21,371
198114<10––
19806651$129,934$2,548
19791411$12,511$1,137
19783425$108,524$4,341

From 2016 to 2026: 80 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

Westhampton Beach (625 home policies) · West Hampton Dunes (206 home policies) · Southampton (160 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.