Flood insurance in New York: cost by ZIP code and county
New York counts 99,714 single-family flood policies, and the median one cost $1,309 a year on July 31, 2026.
Median single-family flood bill, New York
$1,309
99,714 policies in force on July 31, 2026, premium and fees included.
| Median full-risk price, same policies | $1,899 |
| Policies still below their full-risk price | 49 % |
| Median paid in August 2023 | $943 |
| Increase left from the median | 3 renewals at 18 % |
| Next five bills, added up | $9,023 |
| Median claim paid, 2016 to 2025 (6,599 claims) | $14,171 |
Compiled by Radif Partners · Where the numbers come from · 976 ZIP codes and 62 counties of New York in FEMA's tables · not a quote
On July 31, 2026, the median single-family flood policy in New York State cost $1,309 a year, counting the premium, the Reserve Fund Assessment, the HFIAA surcharge and the Federal Policy Fee. That is above the national median of $1,081, and it is not the end point: priced at full risk, the same 99,714 policies would have a median bill of $1,899, and 49 % of them still pay less than that. Long Island dominates the market. Nassau and Suffolk together hold 58,187 policies, about 58 % of the state, with medians of $1,510 and $1,401. High-risk A zones carry a median of $1,650, moderate and low-risk zones $1,079. FEMA rated 68 % of the state's single-family policies as exposed to storm surge.
Long Island buys, the Hudson Valley claims
Policy counts and claim counts point to different parts of the state. Nassau County has the most single-family policies, 32,949, yet Westchester County, with only 5,437, recorded more paid claims over 2016 to 2025: 1,660 against 1,367. The median Westchester claim, $22,428, was also larger than the Nassau one, $13,010.
One storm dominates the state's file. Hurricane Ida in 2021 produced 1,948 paid single-family claims in New York, worth $76,894,074, which is roughly 30 % of the 6,599 claims paid statewide in ten years. The National Hurricane Center report describes freshwater flash flooding and urban flooding across the New York City metropolitan area, and 2,606 of the state's paid claims over the decade were on homes rated X, B or C.
Westchester bills reflect a market already close to its model price: a median of $898 against $913 at full risk, with 19 % of policies still capped.
The five boroughs
Queens, Brooklyn (Kings County), Staten Island (Richmond County) and the Bronx hold 17,421 single-family policies among them, fewer than Suffolk County alone. Queens is the largest, with a median of $1,267. In 2023, Late-September New York Flooding added 954 paid claims across the state, the second largest event of the decade in the state.
New York median bill by flood zone type
Median yearly cost, A zones, New York
$1,650
| Same zone type, whole country | $1,197 |
| V zones in New York | $1,986 |
| X, B, C zones in New York | $1,079 |
Room left to rise on Long Island
The full-risk median in Suffolk County is $2,621, far above the $1,401 its owners paid at the median, and 54 % of its policies are below that line. The Nassau numbers tell the same story at $2,233. The 1,577 V-zone homes in the state paid a median $1,986. Each renewal moves a capped premium up by at most 18 % for a primary home, so these gaps close over several years rather than at once.
Five Suffolk County bills on the yearly cap
Your next five flood bills, added up
$11,060
| Renewal 1 (capped) | $1,640 |
| Renewal 2 (capped) | $1,923 |
| Renewal 3 (capped) | $2,256 |
| Renewal 4 | $2,621 |
Broome County and the Susquehanna
Broome County, around Binghamton on the Susquehanna River, had 1,095 policies and 67 % of them below full risk, the highest share among the eight largest counties. In FEMA's 2023 table, Montgomery County showed the widest ratio between full-risk and current cost. The rate increase page explains how a gap like that is closed one renewal at a time.
The New York counties with the most policies
| County | Policies | Median bill | Full-risk median | Still below full risk | Renewals left at 18 % | Median bill, August 2023 | Median claim 2016-2025 |
|---|---|---|---|---|---|---|---|
| Nassau County | 32,949 | $1,510 | $2,233 | 54 % | 3 | $1,101 | $13,010 |
| Suffolk County | 25,238 | $1,401 | $2,621 | 54 % | 4 | $984 | $12,163 |
| Queens County | 8,021 | $1,267 | $1,953 | 52 % | 3 | $881 | $13,074 |
| Kings County | 4,135 | $1,115 | $1,211 | 35 % | 1 | $858 | $7,975 |
| Westchester County | 5,437 | $898 | $913 | 19 % | 1 | $766 | $22,428 |
| Richmond County | 4,229 | $991 | $1,018 | 26 % | 1 | $824 | $9,892 |
| Bronx County | 1,036 | $1,202 | $1,252 | 18 % | 1 | $1,038 | $11,173 |
| Broome County | 1,095 | $1,197 | $1,840 | 67 % | 3 | $785 | $9,581 |
Full-risk prices of New York homes, band by band
| Full risk-based price a year | Policies | Share | Median rebuild value |
|---|---|---|---|
| $0 to $1,000 | 28,682 | 24.2 % | $670,456 |
| $1,000 to $2,000 | 35,575 | 30.0 % | $624,987 |
| $2,000 to $3,000 | 24,078 | 20.3 % | $661,878 |
| $3,000 to $4,000 | 14,456 | 12.2 % | $723,315 |
| $4,000 to $5,000 | 7,515 | 6.3 % | $770,175 |
| $5,000 or more | 8,147 | 6.9 % |
The floods that paid the most New York claims since 2016
| Event (FEMA name) | Year | Paid claims | Paid in total |
|---|---|---|---|
| Hurricane Ida | 2021 | 1,948 | $76,894,074 |
| Late-September New York Flooding | 2023 | 954 | $17,373,496 |
| December Nor'easter | 2023 | 110 | $3,933,287 |