Nassau County · Flood data

Flood insurance costs and FEMA flood data: Nassau County

What homeowners in Nassau County pay for NFIP flood insurance, how that cost has moved, what share of residential buildings carry it, and how FEMA rates expected flood losses here. Every figure is calculated from FEMA public data.

Policies in force on August 31, 2026 · FEMA policy data as of September 8, 2026 · FEMA National Risk Index, December 2025 release

Flood insurance in Nassau County at a glance

9.7%

Residential buildings with NFIP insurance

35,824 contracts / 371,341 buildings · FEMA, August 2026

$1,510

Median yearly NFIP cost

Single-family homes · August 31, 2026

$1,090–$2,070

Middle half of policies

Premium plus FEMA fees

32,430

Single-family policies in force

August 31, 2026

How the cost has moved

Median yearly cost of single-family NFIP policies taking effect each month, last 24 months.

In Nassau County, the typical monthly median yearly cost of single-family NFIP policies taking effect in June through August 2026 was $1,600, 8% higher than the typical month in June through August 2025 ($1,470). Based on 8,380 and 8,745 policies.

Cost by FEMA flood zone

FEMA's A and V zones are its high-risk Special Flood Hazard Areas. V zones also face storm waves. X, B and C zones are moderate- to low-risk.

Zone group	Policies	Median yearly cost	Middle half
High-risk A zones	24,061	$1,760	$1,270–$2,320
Coastal high-risk V zones	202	$2,160	$1,660–$3,220
Moderate- to low-risk zones (X, B, C)	8,167	$1,160	$790–$1,270

Cost by ZIP code: all 70 ZIP codes

Single-family NFIP policies in force on August 31, 2026, for every ZIP code assigned to Nassau County, in ZIP order. FEMA's policy file carries no county, so each whole ZIP is assigned to the county where most of its FEMA claims are recorded. A ZIP code can cross town and county lines, so each row describes the ZIP, not a town.

Show all 70 ZIP codes

ZIP	Policies	Median yearly cost	Middle half
11001	28	$530	$470–$640
11003	30	$750	$620–$1,040
11010	15 small sample	$830	$610–$1,080
11020	41	$730	$600–$1,200
11021	72	$580	$500–$1,010
11023	92	$750	$530–$980
11024	149	$790	$510–$1,400
11030	146	$680	$500–$960
11040	76	$540	$470–$610
11042	1 small sample	$2,660	$2,660–$2,660
11050	369	$970	$620–$1,280
11096	255	$1,040	$860–$1,360
11501	17 small sample	$600	$530–$660
11507	18 small sample	$600	$490–$720
11509	823	$2,000	$1,760–$2,360
11510	1,267	$1,650	$1,280–$2,010
11514	4 small sample	$640	$600–$680
11516	434	$1,360	$950–$1,690
11518	987	$1,590	$1,140–$2,070
11520	2,264	$1,930	$1,260–$2,810
11530	60	$650	$590–$790
11542	109	$1,090	$650–$2,330
11545	27	$540	$480–$770
11547	1 small sample	$810	$810–$810
11548	4 small sample	$710	$610–$760
11550	17 small sample	$750	$620–$810
11552	53	$750	$640–$960
11553	10 small sample	$840	$760–$1,000
11554	60	$630	$570–$750
11557	479	$1,200	$890–$1,550
11558	1,450	$1,680	$1,310–$2,020
11559	651	$1,500	$1,160–$1,880
11560	39	$750	$530–$1,400
11561	5,005	$1,970	$1,410–$2,660
11563	92	$850	$710–$1,060
11565	45	$990	$850–$1,200
11566	2,008	$1,400	$1,200–$1,770
11568	24	$610	$500–$770
11569	486	$1,860	$1,630–$2,090
11570	132	$1,040	$770–$1,370
11572	3,399	$1,590	$1,270–$1,870
11575	14 small sample	$460	$440–$480
11576	114	$640	$480–$770
11577	54	$640	$570–$800
11579	21	$790	$540–$1,270
11580	178	$990	$840–$1,200
11581	1,719	$1,210	$970–$1,600
11590	34	$520	$460–$600
11596	15 small sample	$670	$650–$740
11597	1 small sample	$780	$780–$780
11598	1,461	$910	$750–$1,120
11696	1 small sample	$690	$690–$690
11709	651	$2,400	$1,680–$3,190
11710	1,497	$1,590	$1,200–$2,020
11714	16 small sample	$550	$500–$710
11732	9 small sample	$770	$670–$980
11735	22	$690	$610–$830
11753	25	$620	$460–$740
11756	51	$600	$550–$680
11758	2,852	$1,420	$1,200–$2,710
11762	269	$1,200	$1,120–$1,400
11765	4 small sample	$1,500	$1,300–$1,830
11771	92	$1,060	$690–$1,740
11783	1,091	$1,490	$1,200–$2,120
11791	91	$540	$440–$650
11793	730	$1,400	$1,200–$1,740
11797	45	$610	$510–$770
11801	41	$580	$540–$630
11803	79	$550	$480–$610
11804	14 small sample	$580	$480–$650

FEMA flood-loss ratings by census tract

FEMA's National Risk Index rates each census tract's expected yearly losses from flooding against every census tract in the country. Here is how FEMA rates the 281 census tracts in Nassau County.

Coastal flooding

Very High 8
Relatively High 38
Relatively Moderate 16
Relatively Low 18
Very Low 22
No expected annual losses 179

Inland flooding (heavy rain, streams)

Very High 3
Relatively High 36
Relatively Moderate 108
Relatively Low 119
Very Low 15

Flood information by town

Each community page has the same flood block: FEMA's ratings for its census tracts and flood-insurance costs for its ZIP code.

Flooding in the news: Nassau County

Long Island will keep flooding. What's the plan?Newsday · Oct 2026
Nor’easter brings flooding, erosion and strong winds to Long BeachHerald Community Newspapers · Oct 2026
Stubborn 3-day nor'easter lurches off Long Island, leaving 2,000 fallen trees, flooding, outages in wakeNewsday · Sep 2026
Nor'easter leaves behind flooded homes, businesses, and badly damaged dunes along Long Beach IslandNews 12 · Sep 2026
Nor’easter causes erosion, closures and flood damage at Long Island state parksNews 12 · Sep 2026
Just weeks after opening, Betty’s in Merrick closes after nor’easter floodingGreater Long Island · Sep 2026

Mill Creek Road repaired 9 months after devastating flooding on Long IslandCBS New York · May 2025

Exclusive: Flooding on Glen Cove street leaves frustrated residents seeking answers | News 12News 12 · Aug 2024

Long Island nor'easter update: More flooding expected on South ShoreEyewitness News ABC7NY · Sep 2026

🚨 Nor’easter Continues to Hammer NJ & New York | Major Flooding, 24-Ft Seas & Power OutagesSevere Weather USA · Sep 2026

Check a specific address

FEMA Flood Map Service CenterThe official flood maps (FIRMs). Search any address to see its FEMA flood zone.
FloodSmart (FEMA)FEMA's National Flood Insurance Program site: how policies work and how to find a provider.

Flood data for all four counties →

Frequently asked questions

How much does flood insurance cost in Nassau County?

For single-family homes with NFIP policies in force on August 31, 2026, the median yearly cost in Nassau County was $1,510, with the middle half of policies between $1,090 and $2,070 (32,430 policies). In FEMA's high-risk A zones the median was $1,760 (24,061 policies). Each building is priced individually, so a quote for a specific home can differ.

What share of residential buildings in Nassau County have NFIP flood insurance?

FEMA counted 35,824 residential NFIP contracts in force against 371,341 residential buildings in Nassau County as of August 3, 2026, a share of 9.7%. One contract can cover a whole multi-unit building, and private flood policies are not included.

Has flood insurance gotten more expensive in Nassau County?

Does a standard homeowners policy cover flood damage?

No. Standard homeowners policies exclude flood damage. Flood coverage is bought separately, through the National Flood Insurance Program (NFIP) or from a private flood insurer.

When is flood insurance required?

When a mortgage comes from a federally regulated or insured lender and the building sits in one of FEMA's high-risk flood zones (a Special Flood Hazard Area, zones beginning with A or V), the lender requires flood insurance. Outside those zones it is optional, and lenders may still require it.

How is NFIP flood insurance priced?

Since 2021 FEMA prices each building individually under Risk Rating 2.0, using factors such as distance to water, the type and frequency of flooding, the foundation type, the height of the lowest floor, prior claims and the cost to rebuild. Two homes on the same street can pay different amounts.

How do I find the flood zone for a specific address?

Search the address on FEMA's Flood Map Service Center (msc.fema.gov). In Queens and Brooklyn, NYC's Flood Hazard Mapper and FloodHelpNY also show current and future flood zones.

How these figures are measured

Yearly cost: FEMA's "policy cost": the premium plus FEMA fees and surcharges, which is what the policyholder pays. Median and middle half (25th to 75th percentile), rounded to the nearest $10.
Which policies: NFIP policies on single-family homes (FEMA occupancy type 11) in force on August 31, 2026, from FEMA's OpenFEMA policy file as of September 8, 2026. Condo buildings, multi-unit buildings and commercial policies are left out so they cannot move a home figure. Private flood insurance is not in FEMA's data.
Trend: Monthly medians of policies by the month they took effect. The direction compares the latest months with the same calendar months a year earlier, using the same engine as the site's market trends, and states both periods.
Residential buildings with NFIP insurance: FEMA's NFIP residential penetration rate: residential NFIP contracts in force divided by all of the county's residential structures (every residential building type, not only single-family), on FEMA's own as-of date.
County of a ZIP code: FEMA's policy file carries ZIP codes but no county, so each whole ZIP is assigned to the county where most of its FEMA claims are recorded (else by its USPS prefix). A ZIP that crosses a county line is counted in one county.
Claims (hub only): FEMA's NFIP claims file, all building types and years, grouped by the event name FEMA records.
FEMA flood-loss ratings: FEMA National Risk Index (December 2025 release), Expected Annual Loss rating for coastal and inland flooding, by census tract. FEMA also publishes a composite "Risk Index" that scales expected losses by community social-vulnerability and resilience scores, which are built from demographic data. These pages show only the expected-loss ratings, which rest on physical exposure and loss history.
Small samples: Figures based on fewer than 20 policies are shown and marked "small sample".

Sources: FEMA National Flood Insurance Program policy data (OpenFEMA, as of September 8, 2026); FEMA NFIP residential penetration rates; FEMA National Risk Index (December 2025 release). Medians, ranges and trends are calculated from those records; FEMA's ratings and labels are quoted as FEMA publishes them. "Yearly cost" is what the policyholder pays: premium plus FEMA fees and surcharges, for single-family homes only. The insured share is FEMA's residential NFIP contracts in force as a share of all residential buildings. NFIP policies only; private flood insurance is not included. This is not a flood-zone determination, insurance advice or a quote; under FEMA's Risk Rating 2.0 each building is priced individually. Check a specific address with FEMA's Flood Map Service Center and get a quote from a licensed insurance professional.

The DeVito Team compiled these figures from FEMA public data. Joseph DeVito, NY Licensed Associate Real Estate Broker. This is general information, not legal, insurance or flood-risk advice.