Long Beach, NY Flood Zone Lookup
Last updated: March 2026
Long Beach on Long Island's barrier island is extremely vulnerable to Atlantic Ocean storm surge. Hurricane Sandy caused devastating flooding that inundated most of the island city.
Nassau County has recorded 51,509 NFIP flood insurance claims since 1978, totaling $2.3B in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 2
NFIP Policies
47,289
Nassau County
Avg. Premium
$1,362/yr
Nassau County
FEMA Flood Risk Profile: Nassau County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively HighEst. annual loss: $183.9M
Coastal Flood Risk
Very HighEst. annual loss: $24.3M
Hurricane Risk
Relatively HighEst. annual loss: $27.1M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Nassau County
Nassau County has been included in 16 federal flood-related disaster declarations.
...and 8 earlier declarations since 1971.
These declarations affected communities across Nassau County, including Long Beach.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Nassau County
Properties in Nassau County have filed 51,509 NFIP flood insurance claims totaling $2.3B in payouts since 1978. The average claim payout is $44K.
Highest-Claim Years
2012
27,136 claims - $2.0B
2011
7,257 claims - $134.1M
1992
3,671 claims - $37.8M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Nassau County
Only roughly 1 in 12 households in Nassau County carries NFIP flood insurance (9% of estimated households). This county has elevated flood risk with below-average insurance coverage, meaning many flood losses may go uninsured.
Penetration Rate
9%
roughly 1 in 12 households
Historical Claims Ratio
1 in 1
51,509 claims over 45+ years across 47,289 current policies
Avg. Claim Payout
$43,960
Per claim, county-wide since 1978
Historically, Nassau County has averaged 1.1 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Long Beach.
What Your Flood Zone Means in Long Beach
Long Beach is primarily at risk from coastal flooding, including hurricane storm surge, tidal flooding, and wave action. Coastal storms can push seawater inland with little warning, and properties in VE (Velocity) zones face the most severe exposure to breaking waves. The most common FEMA flood zone designations in Long Beach are Zone VE, Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $183.9M. The county is rated "Very High" for coastal flood risk by FEMA's National Risk Index. Properties in Long Beach's VE zones face additional wave action risk beyond still-water flooding, which typically results in higher insurance premiums and stricter building requirements.
Coastal flood insurance premiums in Long Beach are typically higher than inland areas due to the destructive force of storm surge and wave action. Properties in VE zones face the highest premiums because wave damage compounds the risk beyond still-water flooding. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
Coastal flood maps are among the most frequently updated in the FEMA system, as shoreline erosion and new storm surge modeling refine the boundaries. Letters of Map Revision (LOMR) may shift VE and AE zone boundaries after major storms or updated coastal studies. Use our free lookup tool to check the current flood zone for any Long Beach address.
Repetitive Loss Properties: Nassau County
Nassau County has 6,632 properties with multiple flood insurance losses, including 679 severe repetitive loss properties. 130 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
6,632
2+ claims within 10 years
Severe Repetitive Loss
679
4+ claims or 2 exceeding value
Mitigated
130
Received FEMA mitigation
By Flood Zone
Zone data available for 6,596 of 6,632 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Nassau County
NOAA has recorded 192 flood events in Nassau County since 1996, causing $19.2M in damage.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Nassau County
FEMA has funded mitigation for 114 properties in Nassau County, investing $1.5M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Flood Insurance Discount: Long Beach
Long Beach participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Long Beach's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Long Beach, NY Flood Zone FAQ
What flood zones are in Long Beach, NY?
The most common FEMA flood zones in Long Beach are Zone VE, Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Long Beach?
If your Long Beach property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Long Beach?
Enter your Long Beach address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Long Beach offer flood insurance discounts?
Yes. Long Beach participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Long Beach experienced major flooding events?
Nassau County, where Long Beach is located, has been part of 16 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Severe Storm and Flooding in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Long Beach?
Nassau County has recorded 51,509 NFIP flood insurance claims totaling $2.3B in payouts since 1978. The year with the most claims was 2012, with 27,136 claims and $2.0B in payouts. These figures cover all NFIP claims in the county, including Long Beach.
How many flood insurance policies are active in Long Beach?
Nassau County currently has 47,289 active NFIP flood insurance policies with an average annual premium of $1,362. The most policies are in Zone AE (34,721 policies). These figures cover all active NFIP policies in the county.
How many Long Beach properties have flooded repeatedly?
Nassau County has 6,632 properties with multiple flood losses on record, including 679 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Long Beach property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Long Beach?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Long Beach's Zone VE and Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other New York Cities
Understanding Flood Zones
Look Up Any Long Beach, NY Address
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.