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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