State Risk Profile
New York NY
New York pairs coastal and inland flood exposure with growing urban heat in some of the country's oldest housing stock.
FloodExtreme HeatHurricane
Statewide Profile
- Population
- 19.6M
- Insurance Market
- Moderate Pressure
- Cities Profiled
- 8
- Last Reviewed
- 2026-06-06
Risk Summary
New York's risk profile ranges from coastal flooding and storm surge in the southeast to river and heavy-rain flooding upstate.
Downstate and coastal areas carry the clearest flood burden, while inland cities and towns face river flooding and increasingly hot summers.
Insurance Market
Insurance is generally available, though coastal and repetitive-flood properties can be expensive and operational resilience costs are rising.
- Sandy changed the buyer calculus in coastal New York.
- Older multifamily and brownstone housing can be expensive to adapt for heat and flood resilience.
Notable Events
Significant state-level events
2012Hurricane
Superstorm Sandy
Sandy remains a defining coastal flood event for New York housing risk.
2021Flood
Ida rainfall flooding
Flash flooding showed that basement and urban flood risk is not limited to waterfront neighborhoods.
City Directory
8 cities profiled in New York
Albany
Albany County
FloodHurricane
View full report
Top 15% most at-risk nationally
Buffalo
Erie County
FloodExtreme Heat
View full report
Top 5% most at-risk nationally
Hempstead
Nassau County
FloodEarthquake
View full report
Top 5% most at-risk nationally
New York City
New York County
Extreme HeatFlood
View full report
Top 5% most at-risk nationally
Rochester
Monroe County
FloodExtreme Heat
View full report
Top 10% most at-risk nationally
Syracuse
Onondaga County
FloodExtreme Heat
View full report
Top 10% most at-risk nationally
White Plains
Westchester County
FloodExtreme Heat
View full report
Top 5% most at-risk nationally
Yonkers
Westchester County
FloodExtreme Heat
View full report
Top 5% most at-risk nationally
Location Reports
Active Address Risk Reports in New York
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in New York.
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Manor10573Port Chester10580Rye10583Scarsdale10591Tarrytown10598Yorktown Heights10603White Plains10605White Plains10701Yonkers10703Yonkers10704Yonkers10705Yonkers10708Bronxville10710Yonkers10801New Rochelle10805New Rochelle10901Suffern10940Middletown10950Monroe10952Monsey10954Nanuet10956New City10977Spring Valley10990Warwick11001Floral Park11003Elmont11010Franklin Square11021Great Neck11040New Hyde Park11050Port Washington11101Long Island City11102Astoria11103Astoria11104Sunnyside11105Astoria11106Astoria11201Brooklyn11203Brooklyn11204Brooklyn11205Brooklyn11206Brooklyn11207Brooklyn11208Brooklyn11209Brooklyn11210Brooklyn11211Brooklyn11212Brooklyn11213Brooklyn11214Brooklyn11215Brooklyn11216Brooklyn11217Brooklyn11218Brooklyn11219Brooklyn11220Brooklyn11221Brooklyn11222Brooklyn11223Brooklyn11224Brooklyn11225Brooklyn11226Brooklyn11228Brooklyn11229Brooklyn11230Brooklyn11231Brooklyn11232Brooklyn11233Brooklyn11234Brooklyn11235Brooklyn11236Brooklyn11237Brooklyn11238Brooklyn11249Brooklyn11354Flushing11355Flushing11356College Point11357Whitestone11358Flushing11360Bayside11361Bayside11362Little Neck11364Oakland Gardens11365Fresh Meadows11367Flushing11368Corona11369East Elmhurst11370East Elmhurst11372Jackson Heights11373Elmhurst11374Rego Park11375Forest Hills11377Woodside11378Maspeth11379Middle Village11385Ridgewood11411Cambria Heights11412Saint Albans11413Springfield Gardens11414Howard Beach11415Kew Gardens11416Ozone Park11417Ozone Park11418Richmond Hill11419South Richmond Hill11420South Ozone Park11421Woodhaven11422Rosedale11423Hollis11426Bellerose11427Queens Village11428Queens Village11429Queens Village11432Jamaica11433Jamaica11434Jamaica11435Jamaica11436Jamaica11501Mineola11510Baldwin11520Freeport11530Garden City11542Glen Cove11550Hempstead11552West Hempstead11553Uniondale11554East Meadow11561Long Beach11563Lynbrook11566Merrick11570Rockville Centre11572Oceanside11575Roosevelt11580Valley Stream11581Valley Stream11590Westbury11691Far Rockaway11692Arverne11694Rockaway Park11701Amityville11704West Babylon11706Bay Shore11710Bellmore11714Bethpage11717Brentwood11720Centereach11722Central Islip11725Commack11726Copiague11727Coram11729Deer Park11731East Northport11735Farmingdale11738Farmingville11741Holbrook11743Huntington11746Huntington Station11747Melville11754Kings Park11756Levittown11757Lindenhurst11758Massapequa11762Massapequa Park11763Medford11768Northport11772Patchogue11776Port Jefferson Station11779Ronkonkoma11783Seaford11784Selden11787Smithtown11790Stony Brook11791Syosset11793Wantagh11795West Islip11798Wyandanch11801Hicksville11803Plainview11901Riverhead11937East Hampton11967Shirley12010Amsterdam12020Ballston Spa12047Cohoes12065Clifton Park12078Gloversville12110Latham12144Rensselaer12180Troy12189Watervliet12203Albany12205Albany12208Albany12302Schenectady12303Schenectady12304Schenectady12306Schenectady12309Schenectady12401Kingston12477Saugerties12508Beacon12533Hopewell Junction12534Hudson12550Newburgh12553New Windsor12561New Paltz12589Wallkill12590Wappingers Falls12601Poughkeepsie12603Poughkeepsie12804Queensbury12831Gansevoort12866Saratoga Springs12901Plattsburgh13021Auburn13027Baldwinsville13045Cortland13069Fulton13088Liverpool13090Liverpool13126Oswego13204Syracuse13205Syracuse13208Syracuse13210Syracuse13212Syracuse13440Rome13501Utica13502Utica13601Watertown13760Endicott13790Johnson City13820Oneonta13850Vestal13901Binghamton13903Binghamton13905Binghamton14020Batavia14043Depew14051East Amherst14072Grand Island14075Hamburg14086Lancaster14094Lockport14120North Tonawanda14127Orchard Park14150Tonawanda14206Buffalo14207Buffalo14211Buffalo14213Buffalo14214Buffalo14215Buffalo14216Buffalo14217Buffalo14218Buffalo14220Buffalo14221Buffalo14223Buffalo14224Buffalo14225Buffalo14226Buffalo14227Buffalo14228Buffalo14304Niagara Falls14420Brockport14424Canandaigua14450Fairport14456Geneva14468Hilton14526Penfield14534Pittsford14559Spencerport14580Webster14606Rochester14609Rochester14612Rochester14615Rochester14616Rochester14617Rochester14618Rochester14620Rochester14621Rochester14623Rochester14624Rochester14626Rochester14701Jamestown14830Corning14845Horseheads14850Ithaca