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
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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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Kisco10550Mount Vernon10552Mount Vernon10562Ossining10566Peekskill10567Cortlandt Manor10573Port Chester10580Rye10583Scarsdale10591Tarrytown10598Yorktown Heights10603White Plains10605White Plains10606White Plains10701Yonkers10703Yonkers10704Yonkers10705Yonkers10708Bronxville10710Yonkers10801New Rochelle10804New Rochelle10805New Rochelle10901Suffern10924Goshen10940Middletown10941Middletown10950Monroe10952Monsey10954Nanuet10956New City10960Nyack10965Pearl River10977Spring Valley10980Stony Point10990Warwick11001Floral Park11003Elmont11004Glen Oaks11010Franklin Square11021Great Neck11030Manhasset11040New Hyde Park11050Port Washington11101Long Island City11102Astoria11103Astoria11104Sunnyside11105Astoria11106Astoria11201Brooklyn11203Brooklyn11204Brooklyn11205Brooklyn11206Brooklyn11207Brooklyn11208Brooklyn11209Brooklyn11210Brooklyn11211Brooklyn11212Brooklyn11213Brooklyn11214Brooklyn11215Brooklyn11216Brooklyn11217Brooklyn11218Brooklyn11219Brooklyn11220Brooklyn11221Brooklyn11222Brooklyn11223Brooklyn11224Brooklyn11225Brooklyn11226Brooklyn11228Brooklyn11229Brooklyn11230Brooklyn11231Brooklyn11232Brooklyn11233Brooklyn11234Brooklyn11235Brooklyn11236Brooklyn11237Brooklyn11238Brooklyn11239Brooklyn11249Brooklyn11354Flushing11355Flushing11356College 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 Stream11590Westbury11598Woodmere11691Far Rockaway11692Arverne11694Rockaway Park11701Amityville11702Babylon11703North Babylon11704West Babylon11706Bay Shore11710Bellmore11714Bethpage11717Brentwood11720Centereach11722Central Islip11725Commack11726Copiague11727Coram11729Deer Park11730East Islip11731East Northport11733East Setauket11735Farmingdale11738Farmingville11741Holbrook11743Huntington11746Huntington Station11747Melville11754Kings Park11756Levittown11757Lindenhurst11758Massapequa11762Massapequa Park11763Medford11767Nesconset11768Northport11772Patchogue11776Port Jefferson Station11779Ronkonkoma11780Saint James11782Sayville11783Seaford11784Selden11787Smithtown11788Hauppauge11790Stony Brook11791Syosset11793Wantagh11795West Islip11798Wyandanch11801Hicksville11803Plainview11901Riverhead11937East Hampton11946Hampton Bays11950Mastic11951Mastic Beach11953Middle Island11967Shirley12010Amsterdam12019Ballston Lake12020Ballston Spa12047Cohoes12054Delmar12065Clifton Park12078Gloversville12110Latham12118Mechanicville12144Rensselaer12180Troy12182Troy12189Watervliet12203Albany12205Albany12206Albany12208Albany12302Schenectady12303Schenectady12304Schenectady12306Schenectady12308Schenectady12309Schenectady12401Kingston12477Saugerties12508Beacon12524Fishkill12533Hopewell Junction12534Hudson12538Hyde Park12550Newburgh12553New Windsor12561New Paltz12589Wallkill12590Wappingers Falls12601Poughkeepsie12603Poughkeepsie12771Port Jervis12801Glens Falls12804Queensbury12831Gansevoort12839Hudson Falls12866Saratoga Springs12901Plattsburgh13021Auburn13027Baldwinsville13031Camillus13039Cicero13045Cortland13057East Syracuse13069Fulton13088Liverpool13090Liverpool13104Manlius13126Oswego13203Syracuse13204Syracuse13205Syracuse13206Syracuse13208Syracuse13210Syracuse13212Syracuse13215Syracuse13219Syracuse13413New Hartford13440Rome13501Utica13502Utica13601Watertown13603Watertown13662Massena13669Ogdensburg13676Potsdam13760Endicott13790Johnson City13820Oneonta13850Vestal13901Binghamton13903Binghamton13905Binghamton14020Batavia14043Depew14048Dunkirk14051East Amherst14052East Aurora14072Grand Island14075Hamburg14086Lancaster14094Lockport14120North Tonawanda14127Orchard Park14150Tonawanda14206Buffalo14207Buffalo14210Buffalo14211Buffalo14213Buffalo14214Buffalo14215Buffalo14216Buffalo14217Buffalo14218Buffalo14220Buffalo14221Buffalo14222Buffalo14223Buffalo14224Buffalo14225Buffalo14226Buffalo14227Buffalo14228Buffalo14304Niagara Falls14305Niagara Falls14420Brockport14424Canandaigua14450Fairport14456Geneva14468Hilton14513Newark14526Penfield14534Pittsford14559Spencerport14564Victor14580Webster14606Rochester14607Rochester14609Rochester14610Rochester14611Rochester14612Rochester14613Rochester14615Rochester14616Rochester14617Rochester14618Rochester14619Rochester14620Rochester14621Rochester14623Rochester14624Rochester14626Rochester14701Jamestown14760Olean14830Corning14845Horseheads14850Ithaca14901Elmira14904Elmira