New York Home-Insurance Distress by County

Home-insurance distress across New York is moderate: 62 counties average 33/100, 20th of 52 states.

2 of New York's 62 counties score 70 or higher (severe).

New York's reading rests on a FEMA hazard average of 19/100 and NFIP flood-claim stress of 59/100.

Over three years New York counties filed 1,507 NFIP flood claims, $41,783,248 paid.

Highest in New York: St. Lawrence County 80/100 (#335 US), Steuben County 72/100 (#584 US), Suffolk County 70/100 (#641 US), Delaware County 68/100 (#673 US), Chenango County 67/100 (#699 US).

New York counties by insurance band: 36 low (New York), 19 medium, 6 zero, 1 high; New York NFIP claims, three years: 1,507; New York payouts $41.8 million.

New York counties with the most NFIP claims: Suffolk 543 ($24.8 million); Nassau 212 ($4.1 million); Queens 151 ($2.3 million) in New York; Westchester 131 ($2.5 million); Kings 72 ($643,176).

New York county average rose: 31.2 in March 2026; New York reads 32.4 in October 2026; New York by month: March 31.2, April 31.2, May 32.2 (New York), June 32.2, July 31.5, August 31.2 (New York), September 31.2, October 32.4.

Highest New York ZIPs, insurance distress: 33955 81 (climate 94), 33950 81 (climate 94) in New York, 33983 81 (climate 94), 33982 81 (climate 94) in New York, 33954 81 (climate 94), 33947 81 (climate 94) in New York.

Reading the New York bands: 1 of 62 New York counties sit in a high or worse insurance band; New York filed 1,507 NFIP claims in three years, $41.8 million paid to New York policyholders; a New York county's band moves when FEMA hazard revisions, new New York NFIP settlements or carrier filings change its monthly score.