Average Flood Insurance Cost in New York
Flood insurance costs and flood-risk context by state.
Estimated Annual Premium: $820 to $1010
Estimated Monthly Premium: $68 to $84
The range reflects typical variation. Your actual premium may fall outside this range based on FEMA zone, elevation, and insurer.
Quick Answer
How much is flood insurance in New York? About $820 to $1010 per year ($68 to $84 per month).
Flood zone risk (FEMA zone), coverage limit, and elevation typically drive the range, and whether coverage is NFIP vs private can change pricing.
Use the scenarios below to see how risk-zone and coverage choices shift the estimate.
Because flood risk varies a lot within a state, this estimate is best used as a range. Use the county links for more local context, and then compare the sample scenarios to see how coverage limit and flood-risk assumptions shift the modeled cost in New York.
Flood insurance by county in New York
Sample Scenarios
See how flood risk zone and coverage level affect the estimate:
- Low Flood Risk, $100K Coverage
- Low Flood Risk, $250K Coverage
- Moderate Flood Risk, $100K Coverage
- Moderate Flood Risk, $250K Coverage
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