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, 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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