Queens · Flood data

Flood insurance costs and FEMA flood data: Queens

What homeowners in Queens 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 Queens at a glance

3.7%

Residential buildings with NFIP insurance

11,977 contracts / 322,316 buildings · FEMA, August 2026

$1,320

Median yearly NFIP cost

Single-family homes · August 31, 2026

$1,020–$1,740

Middle half of policies

Premium plus FEMA fees

7,909

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 Queens, the typical monthly median yearly cost of single-family NFIP policies taking effect in June through August 2026 was $1,400, 17% higher than the typical month in June through August 2025 ($1,200). Based on 2,038 and 2,106 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	3,983	$1,610	$1,140–$2,400
Coastal high-risk V zones	24	$1,780	$1,240–$2,820
Moderate- to low-risk zones (X, B, C)	3,902	$1,200	$880–$1,400

Cost by ZIP code: all 59 ZIP codes

Single-family NFIP policies in force on August 31, 2026, for every ZIP code assigned to Queens, 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 59 ZIP codes

ZIP	Policies	Median yearly cost	Middle half
11004	6 small sample	$480	$460–$570
11101	5 small sample	$1,380	$1,340–$1,380
11102	2 small sample	$760	$640–$880
11103	5 small sample	$710	$560–$940
11104	6 small sample	$540	$480–$630
11105	20	$710	$480–$760
11106	6 small sample	$1,410	$1,000–$2,110
11354	17 small sample	$790	$660–$1,150
11355	15 small sample	$1,200	$840–$1,300
11356	32	$1,330	$960–$1,480
11357	109	$1,080	$770–$1,360
11358	40	$860	$660–$1,080
11360	17 small sample	$600	$490–$770
11361	38	$560	$490–$690
11362	19 small sample	$690	$650–$780
11363	117	$1,040	$800–$1,260
11364	29	$710	$540–$940
11365	40	$960	$720–$1,090
11366	25	$700	$570–$910
11367	13 small sample	$970	$680–$1,130
11369	12 small sample	$900	$810–$1,140
11370	9 small sample	$1,200	$870–$1,240
11372	4 small sample	$1,010	$740–$1,200
11373	3 small sample	$710	$680–$940
11374	11 small sample	$990	$930–$1,140
11375	81	$780	$650–$920
11377	13 small sample	$800	$590–$940
11378	11 small sample	$700	$600–$840
11379	25	$970	$610–$1,200
11385	27	$700	$600–$780
11410	1 small sample	$5,100	$5,100–$5,100
11411	20	$1,010	$640–$1,200
11412	14 small sample	$550	$460–$690
11413	39	$920	$760–$1,140
11414	1,516	$1,200	$940–$1,400
11415	4 small sample	$600	$490–$680
11416	1 small sample	$470	$470–$470
11417	12 small sample	$410	$380–$440
11418	8 small sample	$440	$390–$470
11419	4 small sample	$470	$450–$500
11420	15 small sample	$450	$440–$480
11421	7 small sample	$390	$370–$390
11422	127	$1,260	$1,010–$1,580
11423	25	$540	$480–$690
11426	10 small sample	$530	$480–$560
11427	14 small sample	$600	$550–$720
11428	3 small sample	$550	$470–$550
11429	7 small sample	$490	$460–$550
11432	22	$550	$480–$770
11433	10 small sample	$660	$540–$790
11434	28	$690	$600–$800
11435	5 small sample	$510	$500–$610
11436	9 small sample	$620	$560–$980
11468	1 small sample	$800	$800–$800
11691	910	$1,290	$960–$1,860
11692	331	$1,900	$1,280–$2,480
11693	682	$1,570	$1,130–$3,020
11694	1,592	$1,400	$1,200–$1,540
11697	1,735	$1,430	$1,200–$2,060

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 724 census tracts in Queens.

Coastal flooding

Very High 4
Relatively High 14
Relatively Moderate 36
Relatively Low 30
Very Low 39
No expected annual losses 601

Inland flooding (heavy rain, streams)

Relatively High 8
Relatively Moderate 44
Relatively Low 238
Very Low 433
No expected annual losses 1

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: Queens

CM Ariola calls for ‘major infrastructure overhaul’ to combat flooding after weekend storm wreaks havoc in south Queens – QNSQNS · Sep 2026
Nor’easter topples trees, floods streetsQueens Chronicle · Sep 2026
Floods hit Hamilton, Howard Beach againQueens Chronicle · Sep 2026
Queens’ coastal communities flooded again as officials call for action — Queens Daily EagleQueens Daily Eagle · Sep 2026
Nor'easter leaves flooding, downed trees across New York CitySpectrum News NY1 · Sep 2026
Nor'easter lashes NYC, Long Island with heavy rain, wind and floodingThe Journal News · Sep 2026

Kissena Cloudburst Hub Community Meeting #1 PresentationNYC Water · Jul 2024

NYC FLOOD CHAOS: New Yorkers Kayak Through Queens Streets Amid Powerful Nor’easter | Times Now WorldTimes Now World · Sep 2026

Nor'easter slams NYC area: Severe coastal flooding, high winds continueFOX 5 New York · Sep 2026

Heavily Flooded Howard Beach Queens Streets during Nor'easter Sunday Coastal FloodFREEDOMNEWS TV - NYC - ON EVERY SCENE · Sep 2026

Check a specific address

FEMA Flood Map Service CenterThe official flood maps (FIRMs). Search any address to see its FEMA flood zone.
NYC Flood Hazard MapperNYC Department of City Planning's map of current and future flood zones.
FloodHelpNYAddress look-up for NYC homeowners, with flood-insurance guidance.
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 Queens?

For single-family homes with NFIP policies in force on August 31, 2026, the median yearly cost in Queens was $1,320, with the middle half of policies between $1,020 and $1,740 (7,909 policies). In FEMA's high-risk A zones the median was $1,610 (3,983 policies). Each building is priced individually, so a quote for a specific home can differ.

What share of residential buildings in Queens have NFIP flood insurance?

FEMA counted 11,977 residential NFIP contracts in force against 322,316 residential buildings in Queens as of August 3, 2026, a share of 3.7%. One contract can cover a whole multi-unit building, and private flood policies are not included.

Has flood insurance gotten more expensive in Queens?

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.