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Flooding in New York City WHAT YOU NEED TO KNOW
New York City may be iconic for its skyline, but it's also one of the most flood-exposed cities in the U.S. With 520 miles of coastline and a complex mix of rivers, bays, and tidal channels, the city faces flood risks from all directions. Aging sewer systems, dense development, and climate change have only made things worse, leading to more frequent flash floods and coastal inundation. Events like Superstorm Sandy in 2012 and Hurricane Ida in 2021 flooded subways, streets, and homes across all five boroughs, proving that no part of the city is immune. Studies show that over 121,000 properties in New York City are at risk of flooding today, making it a great idea to buy private flood insurance in New York City, NY and keep your property protected.
Flood Zones in New York City
New York City encompasses a variety of flood zones as designated by FEMA. High-risk areas, such as Zones AE and VE, are more susceptible to flooding and may require flood insurance, especially for properties with federally backed mortgages. Even areas classified as Zone X, considered moderate-to-low risk, have reported flood incidents. In fact, FEMA data indicates that 40% of flood insurance claims come from properties outside high-risk zones.
Some flood-prone areas in New York City include:
- Red Hook, Brooklyn (ZIP code: 11231) – saw major flooding from Superstorm Sandy.
- The Rockaways, Queens (ZIP codes: 11691, 11692, 11693) – exposed to coastal flooding and storm surges.
- Lower Manhattan (ZIP codes 10004, 10005, 10006) – subject to flooding because of its location near the East River and Hudson River.
- Staten Island's East Shore (ZIP codes: 10305, 10306) – is vulnerable to flooding from both coastal storms and heavy precipitation.
- The Bronx's Throggs Neck (10465) – prone to flooding by surrounding waterways.
Not sure what flood zone you're in? Our team of expert advisors at Advantage Flood can help you look it up and assess your risk—for free.
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When is flood season in New York City
New York City's flood season typically runs from June through November, coinciding with the Atlantic hurricane season. Throughout this period, the city is at a higher risk of flooding from tropical storms, hurricanes, and heavy rainfall events. However, flooding is possible at any time of the year, and one has to be ready at all times.
Common causes of flooding in New York City
Flooding here is not only about coastal storm surges. Actually, some of the most destructive floods occur inland and are brought on by:
Heavy rainfall – heavy storms can inundate stormwater systems.
Urban runoff – impervious surfaces in urban areas cause rapid surface water buildup.
Overflowing creeks and rivers – heavy rain can cause water bodies to overflow their banks.
Clogged drainage systems – debris can clog water flow, leading to localized flooding.
Storm surges – coastal storms can push seawater into low-lying areas, resulting in severe flooding.
Even if you’ve never experienced a flood, these events can happen without warning, making getting private flood insurance in New York City, NY a smart and proactive move.
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Flood Insurance Specialists
Our dedicated experts specialize in flood insurance, ensuring you receive the best advice and coverage tailored to your needs
Trusted Insurance Providers
We work with top-rated, reputable insurers to guarantee reliable and comprehensive flood protection
Quick Claim Settlement
We prioritize fast and hassle-free claim processing, ensuring you get the support and payout you need—when you need it most
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