Flood insurance payments on Long Island

A total of 85,144 federal flood insurance policies have been written on Long Island covering $25 billion in residential and commercial property.

A total of 85,144 federal flood insurance policies have been written on Long Island covering $25 billion in residential and commercial property, with total premiums exceeding $100 million and the average premium at $1,183. The information, including the number of policies, is as of Dec. 31, 2016.

By locality, the average premiums range from $3,392 a year in the Village of West Hampton to $316 in Stewart Manor. The top 15 appear in the chart below.

The table gives details for 100 towns and villages on the Island, along with countywide totals or averages, and the information comes from the Federal Emergency Management Agency. You can read more about the flood insurance premiums. This database was posted on Feb. 24, 2017.

community level county policies Total coverage amount Average coverage amount Total premium cost Average premium cost
community Amityville level Village county Suffolk policies 1,210 Total coverage amount $301,814,800 Average coverage amount $249,434 Total premium cost $1,690,991 Average premium cost $1,398
community Asharoken level Village county Suffolk policies 176 Total coverage amount $52,460,900 Average coverage amount $298,073 Total premium cost $320,459 Average premium cost $1,821
community Atlantic Beach level Village county Nassau policies 490 Total coverage amount $154,611,000 Average coverage amount $315,533 Total premium cost $666,076 Average premium cost $1,359
community Babylon level Village county Suffolk policies 1,275 Total coverage amount $370,781,800 Average coverage amount $290,809 Total premium cost $1,671,710 Average premium cost $1,311
community Babylon level Town county Suffolk policies 3,275 Total coverage amount $848,938,900 Average coverage amount $259,218 Total premium cost $4,080,146 Average premium cost $1,246
community Baxter Estates level Village county Nassau policies 15 Total coverage amount $4,414,500 Average coverage amount $294,300 Total premium cost $17,805 Average premium cost $1,187
community Bayville level Village county Nassau policies 809 Total coverage amount $202,648,400 Average coverage amount $250,492 Total premium cost $1,597,714 Average premium cost $1,975
community Belle Terre level Village county Suffolk policies 13 Total coverage amount $3,920,300 Average coverage amount $301,562 Total premium cost $5,258 Average premium cost $404
community Bellport level Village county Suffolk policies 131 Total coverage amount $42,860,400 Average coverage amount $327,179 Total premium cost $89,531 Average premium cost $683
community Brightwaters level Village county Suffolk policies 186 Total coverage amount $59,093,500 Average coverage amount $317,707 Total premium cost $140,685 Average premium cost $756
community Brookhaven level Town county Suffolk policies 5,680 Total coverage amount $1,608,806,000 Average coverage amount $283,240 Total premium cost $7,037,215 Average premium cost $1,239
community Cedarhurst level Village county Nassau policies 420 Total coverage amount $126,900,400 Average coverage amount $302,144 Total premium cost $381,630 Average premium cost $909
community Centre Island level Village county Nassau policies 40 Total coverage amount $11,904,500 Average coverage amount $297,613 Total premium cost $42,494 Average premium cost $1,062
community Cove Neck level Village county Nassau policies 10 Total coverage amount $3,153,800 Average coverage amount $315,380 Total premium cost $23,618 Average premium cost $2,362
community Dering Harbor level Village county Suffolk policies 11 Total coverage amount $3,850,000 Average coverage amount $350,000 Total premium cost $4,562 Average premium cost $415
community East Hampton level Town county Suffolk policies 2,969 Total coverage amount $957,028,900 Average coverage amount $322,340 Total premium cost $3,618,125 Average premium cost $1,219
community East Hampton level Village county Suffolk policies 414 Total coverage amount $142,669,100 Average coverage amount $344,611 Total premium cost $417,645 Average premium cost $1,009
community East Rockaway level Village county Nassau policies 951 Total coverage amount $278,583,600 Average coverage amount $292,938 Total premium cost $1,142,449 Average premium cost $1,201
community East Williston level Village county Nassau policies 15 Total coverage amount $5,040,000 Average coverage amount $336,000 Total premium cost $6,120 Average premium cost $408
community Floral Park level Village county Nassau policies 32 Total coverage amount $8,988,000 Average coverage amount $280,875 Total premium cost $11,679 Average premium cost $365
community Flower Hill level Village county Nassau policies 30 Total coverage amount $9,850,000 Average coverage amount $328,333 Total premium cost $11,986 Average premium cost $400
community Freeport level Village county Nassau policies 3,420 Total coverage amount $897,193,100 Average coverage amount $262,337 Total premium cost $5,829,510 Average premium cost $1,705
community Garden level Village county Nassau policies 58 Total coverage amount $18,354,000 Average coverage amount $316,448 Total premium cost $22,761 Average premium cost $392
community Glen Cove level City county Nassau policies 147 Total coverage amount $45,364,700 Average coverage amount $308,603 Total premium cost $200,375 Average premium cost $1,363
community Great Neck Estates level Village county Nassau policies 60 Total coverage amount $20,169,700 Average coverage amount $336,162 Total premium cost $30,483 Average premium cost $508
community Great Neck Plaza level Village county Nassau policies 7 Total coverage amount $2,338,000 Average coverage amount $334,000 Total premium cost $3,861 Average premium cost $552
community Great Neck Village level Village county Nassau policies 84 Total coverage amount $28,144,000 Average coverage amount $335,048 Total premium cost $62,344 Average premium cost $742
community Greenport level Village county Suffolk policies 296 Total coverage amount $77,671,100 Average coverage amount $262,402 Total premium cost $334,304 Average premium cost $1,129
community Head of the Harbor level Village county Suffolk policies 8 Total coverage amount $2,520,000 Average coverage amount $315,000 Total premium cost $3,085 Average premium cost $386
community Hempstead level Town county Nassau policies 23,262 Total coverage amount $7,054,673,200 Average coverage amount $303,270 Total premium cost $23,837,588 Average premium cost $1,025
community Hempstead level Village county Nassau policies 31 Total coverage amount $8,780,800 Average coverage amount $283,252 Total premium cost $18,071 Average premium cost $583
community Hewlett Bay Park level Village county Nassau policies 61 Total coverage amount $22,740,800 Average coverage amount $372,800 Total premium cost $44,441 Average premium cost $729
community Hewlett Harbor level Village county Nassau policies 276 Total coverage amount $92,328,500 Average coverage amount $334,524 Total premium cost $276,493 Average premium cost $1,002
community Hewlett Neck level Village county Nassau policies 72 Total coverage amount $24,038,400 Average coverage amount $333,867 Total premium cost $52,845 Average premium cost $734
community Huntington level Town county Suffolk policies 749 Total coverage amount $231,840,000 Average coverage amount $309,533 Total premium cost $526,672 Average premium cost $703
community Huntington Bay level Village county Suffolk policies 65 Total coverage amount $18,415,400 Average coverage amount $283,314 Total premium cost $85,052 Average premium cost $1,308
community Island Park level Village county Nassau policies 1,028 Total coverage amount $278,779,400 Average coverage amount $271,186 Total premium cost $1,446,265 Average premium cost $1,407
community Islandia level Village county Suffolk policies 7 Total coverage amount $1,960,000 Average coverage amount $280,000 Total premium cost $5,228 Average premium cost $747
community Islip level Town county Suffolk policies 6,311 Total coverage amount $1,999,779,800 Average coverage amount $316,872 Total premium cost $6,271,343 Average premium cost $994
community Kensington level Village county Nassau policies 13 Total coverage amount $4,343,200 Average coverage amount $334,092 Total premium cost $7,802 Average premium cost $600
community Kings Point level Village county Nassau policies 157 Total coverage amount $52,285,600 Average coverage amount $333,029 Total premium cost $141,261 Average premium cost $900
community Lake Grove level Village county Suffolk policies 11 Total coverage amount $2,968,000 Average coverage amount $269,818 Total premium cost $3,849 Average premium cost $350
community Lake Success level Village county Nassau policies 19 Total coverage amount $6,440,000 Average coverage amount $338,947 Total premium cost $7,489 Average premium cost $394
community Lattingtown level Village county Nassau policies 56 Total coverage amount $17,565,900 Average coverage amount $313,677 Total premium cost $109,209 Average premium cost $1,950
community Laurel Hollow level Village county Nassau policies 17 Total coverage amount $5,781,400 Average coverage amount $340,082 Total premium cost $10,930 Average premium cost $643
community Lawrence level Village county Nassau policies 833 Total coverage amount $241,036,400 Average coverage amount $289,359 Total premium cost $611,449 Average premium cost $734
community Lindenhurst level Village county Suffolk policies 1,263 Total coverage amount $327,403,200 Average coverage amount $259,227 Total premium cost $1,814,997 Average premium cost $1,437
community Lloyd Harbor level Village county Suffolk policies 69 Total coverage amount $23,229,000 Average coverage amount $336,652 Total premium cost $37,419 Average premium cost $542
community Long Beach level City county Nassau policies 8,062 Total coverage amount $2,088,774,500 Average coverage amount $259,089 Total premium cost $10,211,457 Average premium cost $1,267
community Lynbrook level Village county Nassau policies 214 Total coverage amount $44,858,800 Average coverage amount $209,621 Total premium cost $68,542 Average premium cost $320
community Malverne level Village county Nassau policies 66 Total coverage amount $18,666,900 Average coverage amount $282,832 Total premium cost $35,657 Average premium cost $540
community Manorhaven level Village county Nassau policies 191 Total coverage amount $60,985,700 Average coverage amount $319,297 Total premium cost $427,532 Average premium cost $2,238
community Massapequa Park level Village county Nassau policies 500 Total coverage amount $160,369,500 Average coverage amount $320,739 Total premium cost $428,599 Average premium cost $857
community Mastic Beach level Village county Suffolk policies 51 Total coverage amount $10,695,300 Average coverage amount $209,712 Total premium cost $65,918 Average premium cost $1,293
community Mill Neck level Village county Nassau policies 12 Total coverage amount $4,196,500 Average coverage amount $349,708 Total premium cost $11,316 Average premium cost $943
community Munsey Park level Village county Nassau policies 15 Total coverage amount $4,648,000 Average coverage amount $309,867 Total premium cost $5,781 Average premium cost $385
community New Hyde Park level Village county Nassau policies 23 Total coverage amount $6,276,000 Average coverage amount $272,870 Total premium cost $8,929 Average premium cost $388
community Nissequogue level Village county Suffolk policies 45 Total coverage amount $14,334,000 Average coverage amount $318,533 Total premium cost $56,904 Average premium cost $1,265
community North Haven level Village county Suffolk policies 180 Total coverage amount $60,476,400 Average coverage amount $335,980 Total premium cost $167,756 Average premium cost $932
community North Hempstead level Town county Nassau policies 495 Total coverage amount $157,926,500 Average coverage amount $319,043 Total premium cost $468,427 Average premium cost $946
community North Hills level Village county Nassau policies 55 Total coverage amount $17,605,000 Average coverage amount $320,091 Total premium cost $21,374 Average premium cost $389
community Northport level Village county Suffolk policies 92 Total coverage amount $29,332,200 Average coverage amount $318,828 Total premium cost $80,091 Average premium cost $871
community Ocean Beach level Village county Suffolk policies 554 Total coverage amount $160,595,600 Average coverage amount $289,884 Total premium cost $1,325,872 Average premium cost $2,393
community Old Brookville level Village county Nassau policies 15 Total coverage amount $5,650,000 Average coverage amount $376,667 Total premium cost $10,437 Average premium cost $696
community Old Field level Village county Suffolk policies 37 Total coverage amount $11,571,700 Average coverage amount $312,749 Total premium cost $26,586 Average premium cost $719
community Oyster Bay level Town county Nassau policies 4,585 Total coverage amount $1,358,242,800 Average coverage amount $296,236 Total premium cost $5,576,051 Average premium cost $1,216
community Oyster Bay Cove level Village county Nassau policies 29 Total coverage amount $9,772,000 Average coverage amount $336,966 Total premium cost $17,401 Average premium cost $600
community Patchogue level Village county Suffolk policies 392 Total coverage amount $115,545,600 Average coverage amount $294,759 Total premium cost $497,035 Average premium cost $1,268
community Plandome level Village county Nassau policies 16 Total coverage amount $4,890,300 Average coverage amount $305,644 Total premium cost $9,140 Average premium cost $571
community Plandome Heights level Village county Nassau policies 14 Total coverage amount $4,241,500 Average coverage amount $302,964 Total premium cost $21,255 Average premium cost $1,518
community Plandome Manor level Village county Nassau policies 26 Total coverage amount $8,515,300 Average coverage amount $327,512 Total premium cost $30,997 Average premium cost $1,192
community Poquott level Village county Suffolk policies 14 Total coverage amount $4,378,900 Average coverage amount $312,779 Total premium cost $9,774 Average premium cost $698
community Port Jefferson level Village county Suffolk policies 59 Total coverage amount $19,471,400 Average coverage amount $330,024 Total premium cost $109,294 Average premium cost $1,852
community Port Washington North level Village county Nassau policies 71 Total coverage amount $23,440,500 Average coverage amount $330,148 Total premium cost $82,769 Average premium cost $1,166
community Quogue level Village county Suffolk policies 556 Total coverage amount $179,473,700 Average coverage amount $322,794 Total premium cost $1,116,464 Average premium cost $2,008
community Riverhead level Town county Suffolk policies 642 Total coverage amount $182,158,600 Average coverage amount $283,736 Total premium cost $796,316 Average premium cost $1,240
community Rockville Centre level Village county Nassau policies 232 Total coverage amount $75,415,100 Average coverage amount $325,065 Total premium cost $113,358 Average premium cost $489
community Roslyn level Village county Nassau policies 30 Total coverage amount $10,299,900 Average coverage amount $343,330 Total premium cost $54,449 Average premium cost $1,815
community Roslyn Estates level Village county Nassau policies 7 Total coverage amount $2,275,000 Average coverage amount $325,000 Total premium cost $2,822 Average premium cost $403
community Roslyn Harbor level Village county Nassau policies 22 Total coverage amount $8,000,000 Average coverage amount $363,636 Total premium cost $17,773 Average premium cost $808
community Russell Gardens level Village county Nassau policies 5 Total coverage amount $1,460,000 Average coverage amount $292,000 Total premium cost $1,889 Average premium cost $378
community Saddle Rock level Village county Nassau policies 24 Total coverage amount $7,842,500 Average coverage amount $326,771 Total premium cost $20,743 Average premium cost $864
community Sag Harbor level Village county Suffolk policies 383 Total coverage amount $118,605,600 Average coverage amount $309,675 Total premium cost $463,728 Average premium cost $1,211
community Sagaponack level Village county Suffolk policies 174 Total coverage amount $59,879,800 Average coverage amount $344,137 Total premium cost $166,025 Average premium cost $954
community Saltaire level Village county Suffolk policies 354 Total coverage amount $107,595,200 Average coverage amount $303,941 Total premium cost $745,411 Average premium cost $2,106
community Sands Point level Village county Nassau policies 141 Total coverage amount $48,468,400 Average coverage amount $343,748 Total premium cost $132,389 Average premium cost $939
community Sea Cliff level Village county Nassau policies 33 Total coverage amount $10,088,500 Average coverage amount $305,712 Total premium cost $34,666 Average premium cost $1,050
community Shelter Island level Town county Suffolk policies 279 Total coverage amount $94,256,800 Average coverage amount $337,838 Total premium cost $231,166 Average premium cost $829
community Smithtown level Town county Suffolk policies 262 Total coverage amount $75,540,900 Average coverage amount $288,324 Total premium cost $128,572 Average premium cost $491
community Southampton level Town county Suffolk policies 4,648 Total coverage amount $1,450,317,500 Average coverage amount $312,030 Total premium cost $5,390,570 Average premium cost $1,160
community Southampton level Village county Suffolk policies 676 Total coverage amount $226,207,600 Average coverage amount $334,627 Total premium cost $1,029,398 Average premium cost $1,523
community Southoldtown level Town county Suffolk policies 1,875 Total coverage amount $567,070,700 Average coverage amount $302,438 Total premium cost $1,982,653 Average premium cost $1,057
community Stewart Manor level Village county Nassau policies 2 Total coverage amount $420,000 Average coverage amount $210,000 Total premium cost $632 Average premium cost $316
community Thomaston level Village county Nassau policies 12 Total coverage amount $4,320,000 Average coverage amount $360,000 Total premium cost $6,526 Average premium cost $544
community Valley Stream level Village county Nassau policies 1,030 Total coverage amount $329,661,600 Average coverage amount $320,060 Total premium cost $877,220 Average premium cost $852
community Village of the Branch level Village county Suffolk policies 7 Total coverage amount $2,985,000 Average coverage amount $426,429 Total premium cost $7,198 Average premium cost $1,028
community West Hampton level Village county Suffolk policies 191 Total coverage amount $60,168,600 Average coverage amount $315,019 Total premium cost $647,873 Average premium cost $3,392
community Westbury level Village county Nassau policies 13 Total coverage amount $4,555,000 Average coverage amount $350,385 Total premium cost $5,276 Average premium cost $406
community Westhampton Beach level Village county Suffolk policies 1,103 Total coverage amount $311,918,300 Average coverage amount $282,791 Total premium cost $2,121,171 Average premium cost $1,923
community Woodsburgh level Village county Nassau policies 98 Total coverage amount $33,513,200 Average coverage amount $341,971 Total premium cost $68,800 Average premium cost $702
community Nassau Totals level County county Nassau policies 48,451 Total coverage amount $14,141,830,300 Average coverage amount $291,879 Total premium cost $55,386,955 Average premium cost $1,143
community Suffolk Totals level County county Suffolk policies 36,693 Total coverage amount $10,940,590,500 Average coverage amount $298,166 Total premium cost $45,324,051 Average premium cost $1,235

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