New York City, New York Flood Zones
New York City faces severe coastal flood risk from hurricane storm surge and nor'easters across its 520 miles of coastline. Hurricane Sandy inundated large portions of Lower Manhattan, Staten Island, and the Rockaways, causing billions in damage.
Common Flood Zones in New York City
Properties in New York City, NY are commonly designated in these FEMA flood zones:
Check Your New York City Address
Enter any New York City, NY address to instantly see its FEMA flood zone, risk level, and whether flood insurance is required.
Free Flood Zone LookupWhat Your Flood Zone Means in New York City
FEMA assigns flood zone designations to every property in the United States based on flood risk assessments. In New York City, the most common designations are Zone AE, Zone VE, Zone AO, Zone X.
Properties in Special Flood Hazard Areas (SFHAs) - zones starting with A or V - are required to carry flood insurance if they have a federally-backed mortgage. Properties in Zone X are outside the SFHA and flood insurance is typically optional but often recommended.
Flood zone designations can change over time through Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR). Use our free lookup tool to check the current flood zone for any New York City address.