New York faces significant flood risk from Atlantic coastal storm surge, Hudson River tidal flooding, riverine flooding in the Mohawk, Susquehanna, and Genesee river valleys, and urban flash flooding in New York City. Hurricane Sandy in 2012 caused over $19 billion in damage to New York City alone with storm surge inundating Lower Manhattan, Staten Island, and coastal Brooklyn and Queens. The Mohawk River valley through Utica and Schenectady faces regular flooding. The Southern Tier along the Susquehanna River has experienced repeated major floods, with the 2006 and 2011 events causing hundreds of millions in damage. Binghamton and Johnson City were severely impacted by the 2011 Tropical Storm Lee flooding. The Genesee River floods through Rochester, and Lake Ontario flooding affects communities along the state's northern border. New York City faces increasing coastal flood risk from sea level rise, with the 2021 Hurricane Ida remnants causing deadly flash flooding in basement apartments. The state has over 800 NFIP-participating communities. Climate projections indicate significant increases in both coastal and riverine flood risk across New York over the coming decades.
New York Flood Zones
FEMA Flood Zone Lookup in New York
Look up any address in New York to find its FEMA flood zone designation, insurance requirements, and base flood elevation — sourced from the official National Flood Hazard Layer.
Zone AE along the Hudson, Mohawk, Susquehanna, and Genesee rivers; Zone VE along the Atlantic coast, Lower Manhattan, and Long Island Sound; Zone X (shaded) for moderate-risk areas throughout NYC and upstate cities; Zone AH for shallow flooding in lake-adjacent areas.
Kings County, Queens County, New York County, Suffolk County, Broome County
NFIP premiums range from $800-$2,000 for standard-risk properties. NYC coastal VE zone properties can run $4,000-$10,000+ annually. Upstate riverfront properties along the Mohawk and Susquehanna rivers face premiums of $1,000-$3,000. Risk Rating 2.0 has caused significant increases throughout the state.
Frequently Asked Questions — New York
Does New York City really flood?
Yes. Hurricane Sandy caused over $19 billion in damage to NYC with storm surge inundating Lower Manhattan. The 2021 Hurricane Ida remnants caused deadly flash flooding in basement apartments. Sea level rise will increase future coastal flood risk.
How bad is flooding in upstate New York?
Upstate New York faces significant riverine flood risk. The Mohawk River, Susquehanna River, and Genesee River all have long flood histories. Binghamton was severely impacted by 2011 flooding and the Southern Tier faces repeated inundation.
Do I need flood insurance in New York?
If you are in a designated flood zone with a federally backed mortgage, yes. Given New York's extensive coastal and riverine flood risk, insurance is strongly recommended even outside high-risk zones. About 25% of claims come from outside those zones.
Disclaimer: FloodZoneCheck is a free research tool using public FEMA data, not an official Standard Flood Hazard Determination. Lenders require a certified determination from a licensed provider. Zone boundaries can cross a single parcel — confirm exact risk and insurance requirements with FEMA or your insurer before relying on this for a purchase or insurance decision.
Track Your New York Property
Get alerted if FEMA revises the flood map for your property
Look Up Your Address