Data · June 2026 data · 14-month trend
New York Flood Insurance Costs
New York's flood insurance cost index stood at $1,264 in June 2026, measured across policies newly written or renewed that month. That runs +26.2% above the national average of $1,001. That represents a 6.9% increase year over year. The month's tally covers 13,278 policy transactions across 62 counties, with Montgomery County posting the highest average premium at $3,410.
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 — June 2026
- Average premium
- $1,264
- Avg total cost (with fees)
- $1,603
- Change (year over year)
- +6.9%
- vs national average
- +26.2%
- Policies written or renewed
- 13,278
- Counties reporting
- 62
New York trend, last 14 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 |
County breakdown — June 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 | $3,410 | $4,164 | 13 | |
| Lewis County | $3,159 | $3,900 | 9 | |
| Schenectady County | $2,749 | $3,402 | 26 | |
| Cortland County | $2,501 | $3,103 | 28 | |
| Delaware County | $2,495 | $3,111 | 38 | |
| Franklin County | $2,452 | $3,126 | 7 | |
| Rensselaer County | $2,377 | $2,963 | 55 | |
| Herkimer County | $2,272 | $2,848 | 31 | |
| Greene County | $2,136 | $2,691 | 18 | |
| Chenango County | $2,123 | $2,606 | 31 | |
| Sullivan County | $2,055 | $2,630 | 22 | |
| Putnam County | $1,991 | $2,527 | 17 | |
| Tioga County | $1,979 | $2,447 | 50 | |
| Fulton County | $1,837 | $2,304 | 7 | |
| Rockland County | $1,753 | $2,207 | 102 | |
| Ulster County | $1,735 | $2,217 | 83 | |
| Washington County | $1,711 | $2,203 | 6 | |
| Hamilton County | $1,660 | $2,181 | 6 | |
| Suffolk County | $1,606 | $2,059 | 2,277 | |
| Clinton County | $1,590 | $2,010 | 18 | |
| Wyoming County | $1,588 | $1,987 | 11 | |
| Onondaga County | $1,572 | $2,007 | 90 | |
| Dutchess County | $1,549 | $1,946 | 126 | |
| Tompkins County | $1,464 | $1,875 | 21 | |
| Columbia County | $1,451 | $1,851 | 17 | |
| Broome County | $1,451 | $1,853 | 101 | |
| Otsego County | $1,443 | $1,852 | 29 | |
| Livingston County | $1,432 | $1,818 | 16 | |
| Nassau County | $1,415 | $1,766 | 3,294 | |
| Oneida County | $1,407 | $1,802 | 45 | |
| Madison County | $1,397 | $1,791 | 29 | |
| Cattaraugus County | $1,393 | $1,805 | 38 | |
| Schoharie County | $1,389 | $1,814 | 33 | |
| Saratoga County | $1,379 | $1,751 | 47 | |
| Genesee County | $1,355 | $1,698 | 16 | |
| Cayuga County | $1,346 | $1,744 | 24 | |
| Allegany County | $1,345 | $1,747 | 23 | |
| Essex County | $1,299 | $1,762 | 20 | |
| Ontario County | $1,288 | $1,719 | 23 | |
| Queens County | $1,276 | $1,629 | 1,266 | |
| Steuben County | $1,259 | $1,594 | 49 | |
| Bronx County | $1,223 | $1,568 | 218 | |
| Seneca County | $1,214 | $1,587 | 11 | |
| Erie County | $1,187 | $1,510 | 114 | |
| Westchester County | $1,163 | $1,465 | 693 | |
| Albany County | $1,160 | $1,494 | 38 | |
| Jefferson County | $1,106 | $1,446 | 26 | |
| Warren County | $1,105 | $1,502 | 16 | |
| Chautauqua County | $1,104 | $1,450 | 21 | |
| Wayne County | $1,100 | $1,426 | 20 | |
| Kings County | $1,084 | $1,398 | 1,069 | |
| Richmond County | $1,030 | $1,325 | 420 | |
| Niagara County | $897 | $1,170 | 51 | |
| Oswego County | $869 | $1,142 | 15 | |
| Orange County | $863 | $1,132 | 215 | |
| St. Lawrence County | $811 | $1,029 | 5 | |
| Yates County | $801 | $1,130 | 10 | |
| Monroe County | $785 | $1,021 | 291 | |
| Chemung County | $769 | $1,024 | 40 | |
| Schuyler County | $711 | $967 | 4 | |
| Orleans County | $609 | $790 | 6 | |
| New York County | $595 | $750 | 1,833 |
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, June 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.