Home insurance costs & natural hazards in New York
Plain facts for New York homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
New York at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in New York pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical New York ZIP code saw homeowners premiums of $1,218 per policy in 2022, 21% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 3% between 2018 and 2022. The figures come from 1,536 New York ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 101,946 single-family NFIP policies took effect in New York in 2025, at an average full cost of $1,550, compared with $1,302 in 2022. About 61% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of New York's 62 counties FEMA rates relatively high or very high for each hazard. The most widespread are lightning, winter weather and ice storm. Open any county for its full hazard profile.
Hazards across New York's counties
New York counties
All 62 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Albany County | $1,197 | $1,060 | Relatively Moderate |
| Allegany County | $860 | $1,530 | Relatively Low |
| Bronx County | $2,594 | $1,325 | Relatively High |
| Broome County | $953 | $1,305 | Relatively Moderate |
| Cattaraugus County | $904 | $1,439 | Relatively Moderate |
| Cayuga County | $1,010 | $1,545 | Relatively Low |
| Chautauqua County | $949 | $1,265 | Relatively Moderate |
| Chemung County | $905 | $863 | Relatively Low |
| Chenango County | $1,046 | $1,746 | Relatively Low |
| Clinton County | $1,038 | $1,413 | Relatively Low |
| Columbia County | $2,054 | $1,581 | Relatively Low |
| Cortland County | $992 | $1,434 | Relatively Low |
| Delaware County | $1,270 | $1,833 | Relatively Moderate |
| Dutchess County | $1,904 | $1,353 | Relatively Moderate |
| Erie County | $1,009 | $1,149 | Relatively High |
| Essex County | $1,215 | $1,750 | Relatively Low |
| Franklin County | $1,110 | $1,451 | Relatively Low |
| Fulton County | $1,006 | $1,454 | Relatively Low |
| Genesee County | $935 | $1,343 | Relatively Low |
| Greene County | $1,408 | $1,992 | Relatively Low |
| Hamilton County | $1,270 | $1,679 | Very Low |
| Herkimer County | $1,006 | $1,387 | Relatively Low |
| Jefferson County | $1,098 | $1,243 | Relatively Low |
| Kings County | $3,201 | $1,157 | Relatively High |
| Lewis County | $1,093 | $1,283 | Very Low |
| Livingston County | $955 | $1,192 | Relatively Low |
| Madison County | $994 | $1,465 | Relatively Low |
| Monroe County | $913 | $1,076 | Relatively Moderate |
| Montgomery County | $1,108 | $1,683 | Relatively Low |
| Nassau County | $2,634 | $1,673 | Relatively High |
| New York County | $10,332 | $1,159 | Relatively High |
| Niagara County | $950 | $1,013 | Relatively Moderate |
| Oneida County | $1,034 | $1,326 | Relatively Moderate |
| Onondaga County | $963 | $1,293 | Relatively Moderate |
| Ontario County | $997 | $1,442 | Relatively Low |
| Orange County | $1,493 | $1,333 | Relatively Moderate |
| Orleans County | $947 | $906 | Very Low |
| Oswego County | $987 | $1,231 | Relatively Low |
| Otsego County | $1,065 | $1,635 | Relatively Low |
| Putnam County | $1,878 | $1,205 | Very Low |
| Queens County | $2,139 | $1,469 | Relatively High |
| Rensselaer County | $1,192 | $1,930 | Relatively Moderate |
| Richmond County | $1,987 | $1,071 | Relatively Moderate |
| Rockland County | $1,760 | $1,267 | Relatively Moderate |
| Saratoga County | $1,117 | $1,481 | Relatively Low |
| Schenectady County | $1,135 | $1,380 | Relatively Low |
| Schoharie County | $1,154 | $1,605 | Very Low |
| Schuyler County | $941 | $1,180 | Very Low |
| Seneca County | $1,080 | $1,270 | Very Low |
| St. Lawrence County | $1,018 | $1,417 | Relatively Low |
| Steuben County | $917 | $1,402 | Relatively Low |
| Suffolk County | $2,696 | $1,760 | Relatively High |
| Sullivan County | $1,507 | $1,716 | Relatively Low |
| Tioga County | $979 | $1,882 | Relatively Low |
| Tompkins County | $1,034 | $1,655 | Relatively Low |
| Ulster County | $1,487 | $1,747 | Relatively Moderate |
| Warren County | $1,297 | $1,672 | Relatively Low |
| Washington County | $1,210 | $1,426 | Relatively Low |
| Wayne County | $957 | $1,099 | Relatively Low |
| Westchester County | $2,598 | $1,192 | Relatively High |
| Wyoming County | $945 | $1,741 | Very Low |
| Yates County | $1,086 | $1,566 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things New York homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, 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). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.