Suffolk County · Flood data

Flood insurance costs and FEMA flood data: Suffolk County

What homeowners in Suffolk 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 Suffolk County at a glance

5.4%

Residential buildings with NFIP insurance

26,160 contracts / 487,590 buildings · FEMA, August 2026

$1,400

Median yearly NFIP cost

Single-family homes · August 31, 2026

$1,030–$2,140

Middle half of policies

Premium plus FEMA fees

24,706

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 Suffolk County, the typical monthly median yearly cost of single-family NFIP policies taking effect in June through August 2026 was $1,410, 14% higher than the typical month in June through August 2025 ($1,230). Based on 6,422 and 6,811 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	12,050	$1,970	$1,420–$3,220
Coastal high-risk V zones	1,114	$1,970	$1,420–$3,150
Moderate- to low-risk zones (X, B, C)	11,542	$1,080	$740–$1,370

Cost by ZIP code: all 112 ZIP codes

Single-family NFIP policies in force on August 31, 2026, for every ZIP code assigned to Suffolk 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 112 ZIP codes

ZIP	Policies	Median yearly cost	Middle half
11700	4 small sample	$2,490	$1,610–$4,290
11701	999	$1,780	$1,200–$3,220
11702	1,263	$1,480	$1,150–$2,750
11703	34	$860	$700–$1,030
11704	120	$1,200	$890–$1,430
11705	248	$1,260	$980–$1,620
11706	1,500	$1,480	$1,200–$2,170
11708	1 small sample	$3,370	$3,370–$3,370
11713	100	$1,200	$690–$1,550
11715	278	$1,330	$1,080–$1,710
11716	15 small sample	$550	$460–$590
11717	17 small sample	$670	$520–$700
11718	125	$1,200	$990–$1,410
11719	149	$1,290	$1,070–$1,770
11720	26	$960	$740–$1,200
11721	64	$1,080	$630–$1,400
11722	23	$660	$570–$830
11724	24	$860	$660–$1,150
11725	47	$500	$440–$580
11726	364	$1,270	$1,200–$2,160
11727	18 small sample	$900	$620–$1,240
11728	14 small sample	$1,560	$1,160–$2,140
11729	18 small sample	$720	$500–$1,080
11730	216	$730	$550–$1,200
11731	37	$540	$490–$580
11733	150	$750	$480–$1,350
11734	14 small sample	$1,770	$1,460–$2,310
11738	14 small sample	$640	$520–$770
11739	42	$950	$700–$1,180
11740	12 small sample	$530	$430–$580
11741	28	$660	$570–$830
11742	11 small sample	$1,030	$610–$1,210
11743	211	$620	$460–$1,170
11746	126	$550	$440–$640
11747	65	$520	$440–$640
11749	2 small sample	$700	$700–$700
11751	273	$1,200	$910–$1,370
11752	13 small sample	$780	$660–$1,030
11754	42	$410	$390–$520
11755	12 small sample	$630	$530–$740
11757	1,724	$1,650	$1,140–$2,750
11763	18 small sample	$740	$640–$880
11764	34	$510	$420–$600
11766	44	$910	$620–$3,100
11767	14 small sample	$460	$420–$600
11768	321	$1,840	$930–$3,790
11769	643	$1,470	$1,200–$1,860
11770	879	$1,990	$1,470–$3,380
11772	780	$1,400	$1,080–$1,980
11776	15 small sample	$860	$640–$970
11777	38	$520	$480–$790
11778	18 small sample	$470	$380–$630
11779	28	$600	$530–$780
11780	73	$760	$570–$1,430
11781	2 small sample	$3,170	$2,350–$4,000
11782	935	$1,470	$1,210–$2,160
11784	11 small sample	$1,090	$750–$1,250
11786	10 small sample	$660	$520–$950
11787	65	$490	$440–$660
11788	28	$540	$440–$640
11789	20	$560	$430–$670
11790	50	$700	$510–$980
11792	39	$2,070	$550–$4,570
11795	800	$1,260	$1,090–$1,700
11796	41	$630	$460–$1,200
11798	5 small sample	$630	$560–$890
11901	246	$1,400	$1,190–$2,580
11926	1 small sample	$1,430	$1,430–$1,430
11930	633	$2,000	$1,430–$3,430
11931	48	$1,660	$1,270–$2,810
11932	326	$1,240	$850–$1,800
11933	18 small sample	$960	$690–$1,630
11934	296	$1,410	$1,200–$2,640
11935	159	$1,370	$880–$1,630
11937	1,132	$1,000	$740–$1,430
11939	81	$1,200	$720–$1,630
11940	131	$1,210	$1,070–$1,630
11941	22	$1,250	$1,120–$1,420
11942	349	$1,700	$1,270–$2,690
11944	247	$1,410	$1,210–$1,630
11946	553	$1,350	$940–$1,790
11947	66	$1,430	$1,200–$2,100
11948	75	$1,400	$910–$2,190
11949	14 small sample	$630	$490–$810
11950	20	$880	$630–$1,200
11951	551	$1,530	$1,130–$2,460
11952	169	$1,370	$870–$1,760
11953	7 small sample	$470	$440–$1,160
11954	443	$1,200	$740–$1,630
11955	38	$1,260	$1,130–$2,010
11956	42	$1,420	$1,200–$2,590
11957	127	$1,150	$780–$1,530
11958	52	$1,410	$1,030–$1,690
11959	495	$1,910	$1,430–$3,350
11960	272	$1,430	$1,200–$2,220
11961	13 small sample	$750	$640–$1,580
11962	207	$1,160	$920–$1,630
11963	642	$1,310	$850–$1,630
11964	211	$1,220	$850–$1,600
11965	54	$1,420	$1,010–$1,690
11967	337	$1,400	$1,080–$2,330
11968	1,111	$1,310	$850–$1,880
11969	5 small sample	$1,200	$720–$1,430
11970	71	$1,590	$1,250–$2,260
11971	423	$1,410	$1,090–$1,820
11972	3 small sample	$1,080	$990–$1,140
11973	1 small sample	$1,470	$1,470–$1,470
11975	124	$1,110	$920–$1,470
11976	387	$1,380	$880–$1,860
11977	232	$1,430	$1,200–$2,200
11978	914	$1,870	$1,430–$2,990
11980	4 small sample	$660	$580–$830

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 384 census tracts in Suffolk County.

Coastal flooding

Very High 10
Relatively High 51
Relatively Moderate 37
Relatively Low 19
Very Low 27
No expected annual losses 240

Inland flooding (heavy rain, streams)

Relatively High 19
Relatively Moderate 112
Relatively Low 195
Very Low 58

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: Suffolk County

Long Island will keep flooding. What's the plan?Newsday · Oct 2026
East End communities continue to deal with flooding after nor'easterNews 12 · Sep 2026
Stubborn 3-day nor'easter lurches off Long Island, leaving 2,000 fallen trees, flooding, outages in wakeNewsday · Sep 2026
Nor’easter causes erosion, closures and flood damage at Long Island state parksNews 12 · Sep 2026
Nor'easter lashes NYC, Long Island with heavy rain, wind and floodingThe Journal News · Sep 2026
Inside Southold's Highway Department storm response as nor'easter topples trees, floods roads - The Suffolk TimesThe Suffolk Times · Sep 2026

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

Flooding and beach erosion is now a major problem on Fire IslandCBS New York · Jan 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 Suffolk County?

For single-family homes with NFIP policies in force on August 31, 2026, the median yearly cost in Suffolk County was $1,400, with the middle half of policies between $1,030 and $2,140 (24,706 policies). In FEMA's high-risk A zones the median was $1,970 (12,050 policies). Each building is priced individually, so a quote for a specific home can differ.

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

FEMA counted 26,160 residential NFIP contracts in force against 487,590 residential buildings in Suffolk County as of August 3, 2026, a share of 5.4%. One contract can cover a whole multi-unit building, and private flood policies are not included.

Has flood insurance gotten more expensive in Suffolk 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.