Data · July 2026 data · 15-month trend
New York Flood Insurance Costs
New York's flood insurance cost index stood at $1,123 in July 2026, measured across policies newly written or renewed that month. That runs +13.9% above the national average of $986. That represents a 1.2% decline year over year. The month's tally covers 17,085 policy transactions across 62 counties, with Montgomery County posting the highest average premium at $3,428.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $1,123
- Avg total cost (with fees)
- $1,425
- Change (year over year)
- -1.2%
- vs national average
- +13.9%
- Policies written or renewed
- 17,085
- Counties reporting
- 62
New York trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $1,050 | $1,344 | 13,580 | |
| June 2025 | $1,183 | $1,508 | 13,727 | |
| July 2025 | $1,137 | $1,449 | 16,414 | |
| August 2025 | $1,204 | $1,537 | 15,514 | |
| September 2025 | $1,126 | $1,441 | 17,363 | |
| October 2025 | $1,174 | $1,503 | 16,142 | |
| November 2025 | $1,314 | $1,680 | 12,228 | |
| December 2025 | $1,167 | $1,496 | 13,351 | |
| January 2026 | $1,319 | $1,683 | 11,169 | |
| February 2026 | $1,227 | $1,565 | 11,231 | |
| March 2026 | $1,124 | $1,431 | 14,144 | |
| April 2026 | $1,214 | $1,550 | 11,874 | |
| May 2026 | $1,101 | $1,403 | 13,398 | |
| June 2026 | $1,264 | $1,603 | 13,278 | |
| July 2026 | $1,123 | $1,425 | 17,085 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Montgomery County | $3,428 | $4,224 | 19 | |
| Washington County | $3,360 | $4,205 | 8 | |
| Greene County | $3,162 | $3,854 | 22 | |
| Schenectady County | $2,764 | $3,396 | 18 | |
| Rensselaer County | $2,516 | $3,131 | 53 | |
| Tompkins County | $2,265 | $2,822 | 73 | |
| Orange County | $2,094 | $2,636 | 125 | |
| Columbia County | $1,992 | $2,498 | 18 | |
| Fulton County | $1,959 | $2,416 | 14 | |
| Essex County | $1,857 | $2,392 | 14 | |
| Tioga County | $1,839 | $2,289 | 62 | |
| Delaware County | $1,807 | $2,279 | 45 | |
| Chenango County | $1,778 | $2,253 | 30 | |
| Genesee County | $1,768 | $2,191 | 21 | |
| Madison County | $1,757 | $2,208 | 29 | |
| Sullivan County | $1,706 | $2,200 | 43 | |
| Cattaraugus County | $1,692 | $2,168 | 52 | |
| Otsego County | $1,683 | $2,146 | 23 | |
| Warren County | $1,669 | $2,162 | 13 | |
| Wayne County | $1,633 | $2,060 | 11 | |
| Herkimer County | $1,613 | $2,018 | 26 | |
| Suffolk County — June 2026 profile | $1,611 | $2,066 | 2,449 | |
| Bronx County | $1,582 | $2,022 | 190 | |
| Broome County | $1,566 | $1,974 | 108 | |
| Ulster County | $1,563 | $1,993 | 62 | |
| Nassau County — June 2026 profile | $1,531 | $1,911 | 3,472 | |
| Franklin County | $1,524 | $1,945 | 6 | |
| Saratoga County | $1,481 | $1,890 | 48 | |
| Oswego County | $1,465 | $1,855 | 25 | |
| Oneida County | $1,449 | $1,856 | 49 | |
| Rockland County | $1,433 | $1,824 | 122 | |
| Westchester County | $1,401 | $1,770 | 933 | |
| Dutchess County | $1,396 | $1,775 | 147 | |
| Yates County | $1,383 | $1,864 | 24 | |
| Cortland County | $1,378 | $1,765 | 30 | |
| Albany County | $1,318 | $1,707 | 62 | |
| Hamilton County | $1,311 | $1,732 | 2 | |
| Wyoming County | $1,310 | $1,650 | 7 | |
| Schoharie County | $1,308 | $1,693 | 29 | |
| Onondaga County | $1,271 | $1,613 | 104 | |
| Allegany County | $1,267 | $1,587 | 22 | |
| Clinton County | $1,230 | $1,575 | 13 | |
| Steuben County | $1,199 | $1,539 | 43 | |
| Livingston County | $1,177 | $1,559 | 25 | |
| Ontario County | $1,170 | $1,548 | 26 | |
| St. Lawrence County | $1,150 | $1,579 | 12 | |
| Chautauqua County | $1,135 | $1,521 | 33 | |
| Erie County | $1,084 | $1,385 | 159 | |
| Richmond County | $1,030 | $1,332 | 499 | |
| Cayuga County | $1,008 | $1,319 | 31 | |
| Jefferson County | $1,003 | $1,391 | 35 | |
| New York County — June 2026 profile | $1,000 | $1,259 | 1,134 | |
| Niagara County | $901 | $1,220 | 48 | |
| Seneca County | $886 | $1,267 | 12 | |
| Monroe County | $842 | $1,078 | 115 | |
| Schuyler County | $718 | $1,032 | 2 | |
| Chemung County | $685 | $954 | 37 | |
| Putnam County | $657 | $869 | 62 | |
| Kings County | $628 | $812 | 2,202 | |
| Lewis County | $589 | $879 | 2 | |
| Orleans County | $565 | $784 | 5 | |
| Queens County | $495 | $630 | 3,980 |
Use this data
Download New York CSV (new-york.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"New York Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/new-york
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.