Look up a ZIP
United States › New York › Queens County › ZIP 11364

Home insurance & flood costs in ZIP 11364 (Oakland Gardens, NY)

Plain facts for homeowners in Oakland Gardens: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

Illustration of a house on a hill in front of a large shield

ZIP 11364 at a glance

Four numbers most homeowners ask about first.

$2,048
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$742
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.55%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

2.2%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 11364 in numbers
$37,669
average paid claim (2022)
+5%
premium change 2018–2022, after inflation
0.99%
cancelled by insurers mid-term (2022)
32
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 11364 was $2,048 in 2022, 4% below the Queens County typical ZIP ($2,139) and 32% above the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 5% between 2018 and 2022. About 2.2% of policies here had a paid claim in 2022, and insurers chose not to renew 0.55% of policies.

Queens County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 11364QueensU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 11364 in 2025 cost $742, based on 32 policies, compared with $720 in 2022. About 3% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

32 policies
A zones 3%X/B/C zones 97%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Queens County

The chart shows the share of homeowners policies in ZIP 11364 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Queens County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Winter weather100 · Very High
  • Cold wave100 · Very High
  • Strong wind100 · Very High
  • Heat wave100 · Very High
  • Inland flooding99 · Very High

Other ZIP codes in Queens County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 47; see the county page for all.

11004 Glen Oaks · $1,79111105 Astoria · $2,08411355 Flushing · $2,05511357 Whitestone · $2,22511358 Flushing · $2,12711361 Bayside · $2,17311362 Little Neck · $2,28911363 Little Neck · $3,20311365 Fresh Meadows · $1,95211366 Fresh Meadows · $1,98911367 Flushing · $2,25011368 Corona · $2,376

Practical next steps

Simple things homeowners in ZIP 11364 can do with this information.

Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.
Review your deductibles. Many policies have separate wind, hail or hurricane deductibles set as a percentage of your dwelling coverage. Knowing yours in dollars helps you budget.
Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.

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.