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Home insurance & flood costs in ZIP 11576 (Roslyn, NY)

Plain facts for homeowners in Roslyn: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 11576 at a glance

Four numbers most homeowners ask about first.

$4,990
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$653
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.79%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

7.1%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 11576 in numbers
$33,967
average paid claim (2022)
−1%
premium change 2018–2022, after inflation
1.10%
cancelled by insurers mid-term (2022)
114
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 11576 was $4,990 in 2022, 89% above the Nassau County typical ZIP ($2,634) and about 3.2 times the typical U.S. ZIP code ($1,551). After adjusting for inflation, it held roughly steady between 2018 and 2022. About 7.1% of policies here had a paid claim in 2022, and insurers chose not to renew 0.79% of policies.

Nassau County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 11576NassauU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 11576 in 2025 cost $653, based on 114 policies, compared with $640 in 2022. About 2% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

114 policies
A zones 2%X/B/C zones 98%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Nassau County

The chart shows the share of homeowners policies in ZIP 11576 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Nassau County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Winter weather99 · Very High
  • Ice storm99 · Very High
  • Coastal flooding98 · Very High
  • Inland flooding98 · Relatively High
  • Lightning97 · Very High

Other ZIP codes in Nassau County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 55; see the county page for all.

11001 Floral Park · $2,10211003 Elmont · $1,96811010 Franklin Square · $1,95011021 Great Neck · $4,59811023 Great Neck · $3,92711024 Great Neck · $7,53811030 Manhasset · $4,97211040 New Hyde Park · $1,98711050 Port Washington · $4,12211096 Inwood · $2,48411501 Mineola · $1,94011507 Albertson · $2,412

Practical next steps

Simple things homeowners in ZIP 11576 can do with this information.

Check your flood zone. Look up your address on FEMA's Flood Map Service Center (msc.fema.gov). Standard home policies don't cover flood damage, and flood insurance usually has a 30-day waiting period, so it's worth sorting out before storm season.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.