Long Island Flood Risk Map
Last reviewed: July 2026
Long Island has more than 1,000 miles of coastline across the south shore, north shore, and the forks. FEMA flood zone designations, storm surge history, and carrier appetite all vary significantly by town and ZIP code.
An interactive flood risk map for Long Island is in development. It will show:
- FEMA flood zone designations (AE, VE, X) by address and parcel
- Historical storm surge events: Sandy (2012), Irene (2011), Ida (2021)
- NFIP flood insurance policy density by ZIP code
- Carrier appetite patterns by coastal proximity
Check your property's flood zone now
Until the map launches, the most reliable way to check your property's flood zone designation is directly through FEMA's Flood Map Service Center.
Look up your address on FEMA's flood map →
What flood zone designations mean for Long Island homeowners
| Zone | Risk level | Flood insurance required? | Common Long Island areas |
|---|---|---|---|
| VE | Highest: coastal wave action | Yes, with federally backed mortgage | Long Beach oceanfront, Fire Island, Westhampton Beach, Hamptons oceanfront |
| AE | High: 1% annual flood probability | Yes, with federally backed mortgage | South shore bays, tidal creeks, low-lying inland areas |
| X (shaded) | Moderate: 0.2% annual probability | No, but recommended | Areas behind AE zones, inland flood-prone areas |
| X (unshaded) | Minimal | No | Most inland Nassau and Suffolk areas |
Flood zone designations affect whether your lender requires flood insurance, what NFIP premiums look like under Risk Rating 2.0, and whether private flood insurance may offer better terms. Verify your property's designation directly. Zones change when FEMA updates its maps.
Get notified when the map launches
Leave your email and we'll let you know when the interactive flood risk map is live for Long Island.
Read the Long Island flood insurance guide →