New York
flood insurance data

NFIP premiums in New York

NFIP premiums: what NFIP policyholders paid, not a quote. Across 118,076 policies (policies effective 2025; occupancy: residential (occupancyType 1,2,3,11,12,13,14); amount: FEMA field policyCost), the median is $1,206, and half of them fall between $929 (Q1) and $1,812 (Q3).

Of the 5 zones listed (AE, X, A, VE, AO), zone VE has the highest median premium ($1,910) and zone X the lowest ($1,077). Coastal high-hazard zone VE is listed, with 1,725 policies. With 118,076 residential NFIP policies effective 2025, New York has the 6th most of 53 States and territories. Residential NFIP policies counted by FEMA fell 17.0% between 2019 (142,199) and 2025 (118,076); the first year, 2019, has the highest count of the 7. The median NFIP premium in New York, $1,206, is 14.3% above the national median ($1,055); it is the 8th highest of 53 States and territories.

By flood zone

Policies in force by year

Base of each count: the yearly figures are FEMA API counts of residential policy terms, every premium included; the median and quartiles rest on the policies effective 2025 with a positive policyCost. For 2025 both bases count 118,076 policies.

NFIP paid building claims in New York

NFIP claims: amounts paid, not repair cost. Window: year of loss 2015-2024; 8,711 paid claims; median $14,833, half of them between $6,387 (Q1) and $34,575 (Q3), in nominal dollars. Median in 2024 dollars (CPI-U): $16,695, a monetary adjustment, not today’s cost of repair.

With 8,711 paid claims (year of loss 2015-2024), New York has the 7th most of 53 States and territories. The paid claims are spread over the years (year of loss 2015-2024): the busiest, 2021, holds 37.2% of them. The named event with the most paid claims in New York, Hurricane Ida, accounts for 32.2% of them, ahead of Late-September New York Flooding (15.0%): no single event holds a majority.

Paid claims by year of loss

FEMA disaster declarations

Since 2000: 42 flood, hurricane and severe-storm declarations (DR and EM) covering New York, 34 of them major disaster declarations.

Latest declarations

• DR-4839: SEVERE STORM AND FLOODING (Severe Storm, 2024-10-21)
• DR-4814: SEVERE STORM, TORNADOES, AND FLOODING (Flood, 2024-08-29)
• EM-3613: SEVERE STORM AND FLOODING (Severe Storm, 2024-08-25)
• DR-4755: SEVERE STORM AND FLOODING (Flood, 2024-01-30)
• DR-4723: SEVERE STORMS AND FLOODING (Severe Storm, 2023-07-22)

FEMA assistance to homeowners

Since 2002: 229,993 owner registrations inspected by FEMA in New York after disasters of every declared type; inspected damage is FEMA’s assessment for its assistance program, not repair cost.

Disasters with the most inspections

• DR-4085, HURRICANE SANDY (declared 2012-10-30): 103,489 inspections
• DR-4615, REMNANTS OF HURRICANE IDA (declared 2021-09-05): 44,857 inspections
• DR-4020, HURRICANE IRENE (declared 2011-08-31): 29,407 inspections
• DR-4031, REMNANTS OF TROPICAL STORM LEE (declared 2011-09-13): 9,864 inspections
• DR-1650, SEVERE STORMS AND FLOODING (declared 2006-07-01): 9,568 inspections

NFIP communities and flood maps

FEMA’s Community Status Book lists 1,520 NFIP communities in New York: 1,504 participate in the NFIP and 53 (3.5%) are classed in the Community Rating System (CRS). The best class among the communities counted here is 5 (Greece, Town of): FEMA applies its CRS discount to the full-risk premium of Regular Program NFIP policies in that community, inside or outside the SFHA, not to the whole state; a policy can be excluded if its building does not comply with local floodplain rules. The oldest flood map still in effect in New York dates from 1974-05-10 (Lorraine, Town of). 16 of these communities do not participate in the NFIP; 16 carry a sanction, 8 coded as a suspension and 0 as a withdrawal.

Questions about flood insurance in New York

How much is flood insurance in New York?

NFIP policyholders in New York paid a median of $1,206 for residential policies effective 2025 (118,076 policies; FEMA field policyCost: premium, reserve fund assessment, federal policy fee and HFIAA surcharge); half paid between $929 and $1,812; $1,588 inside the Special Flood Hazard Area against $1,077 outside it: what NFIP policyholders paid, not a quote.

How many flood insurance claims has New York had?

8,711 NFIP building claims were paid (year of loss 2015-2024), with a median of $14,833; the year with the most was 2021 (3,244), and the named event with the most was Hurricane Ida (2,807). These are amounts paid, not repair cost.

Is New York in a flood zone?

Of the residential NFIP policies of New York (policies effective 2025), 72,129 are rated inside the Special Flood Hazard Area and 45,946 outside it (zones listed: AE, X, A, VE, AO), but these aggregates cannot tell the flood zone of an address: FEMA’s Flood Map Service Center shows it for a given property.

Counties of New York

• Nassau County

Named storms with paid claims in New York

• Hurricane Sandy
• Hurricane Irene
• Hurricane Ida
• Tropical Storm Lee

Related tools

NFIP paid claims and premiums are not repair estimates: to estimate the cleanup of a flooded basement from published cost-guide rates, use the basement water damage repair cost calculator; for water removal and drying after any water loss, the water damage and mitigation calculator.

To set these figures against every State on one claims window, amounts paid, not repair cost: NFIP paid building claims by state.

Before using these figures

A state figure mixes very different counties and flood zones. Method and limits.

Source and notice

• Owners assistance: county names not matched to a FIPS code (counted in the State total only): St. Regis Mohawk Indian Reservation (no match, 115 inspected)

This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).