Where flood insurance costs may rise on LI

The National Flood Insurance Program is $24 billion in debt, and Congress has passed a law requiring about 1.1 million policyholders to start paying rates based on true flooding risk. Some home owners in flood zones Affected homeowners face annual premium increases as high as 18 percent per year, while owners of businesses and second homes face annual increases of 25 percent. Despite the extra revenue, the program's debt, now at $24 billion, will barely be dented. Here are figures compiled by The Associated Press, which gathered data on more than 18,000 communities nationwide.

The data, drawn from several sources of the Federal Emergency Management Agency, cover villages and towns. Village numbers are not included in their towns' figures. Data on the number of subsidized policies in each community and the number of polices possibly facing rate increases were extracted from a FEMA spreadsheet, based on an analysis of the NFIP portfolio on Dec. 31, 2012. Claims histories are not available for every community. Some communities have yet to suffer losses. In a few instances, data were not available due to discrepancies in community names between FEMA data sets. Read more about the flood program on Long Island.

Showing
of 100 records
Community Population Policies in force as of 12/31/2012 Policies with rate discounts as of 12/31/2012 % of discounted policies as of 12/31/2012 Subsidized policies facing 18% premium increases Policies facing 25% increases until they hit risk-based rate Vacation homes and other non-primary residences facing 25% increases Businesses facing 25% increases Severe repetitive-loss properties facing 25% increases Claims made since community joined program Payments since community joined program Policies in force 12/31/2013
Town of Babylon 164,661 3,161 1,438 45.49 1,300 138 113 3 22 4, 310 $168,205,532.39 3,484
Town of Brookhaven 437,121 6,481 1,890 29.16 1,256 634 575 46 13 4, 616 $114,771,739.84 6,464
Town of East Hampton 19,392 2,972 511 17.19 176 335 298 36 1 796 $6,979,997.03 3,160
City of Glen Cove 26,964 154 51 33.12 44 7 5 2 0 160 $2,757,018.70 159
Town of Hempstead 496,400 20,926 6,263 29.93 5,693 570 336 173 61 20, 954 $896,736,117.64 24,491
Town of Huntington 190,124 860 68 7.91 56 12 9 3 0 519 $6,469,883.32 881
Town of Islip 328,989 6,497 1,258 19.36 836 422 375 34 13 5, 434 $200,989,851.10 6,708
City of Long Beach 33,275 7,711 3,065 39.75 2,700 365 264 86 15 8, 384 $379,232,890.85 8,661
Town of North Hempstead 98,282 571 31 5.43 22 9 3 6 0 218 $2,405,519.06 589
Town of Oyster Bay 234,733 4,161 1,655 39.77 1,505 150 89 22 39 5, 101 $261,706,301.49 4,822
Town of Riverhead 33,506 723 210 29.05 96 114 100 13 1 783 $12,371,429.16 750
Town of Shelter Island 2,381 277 24 8.66 11 13 9 4 0 110 $1,823,966.09 285
Town of Smithtown 112,773 372 5 1.34 5 0 0 0 0 291 $1,135,162.41 338
Town of Southampton 48,605 4,873 1,054 21.63 584 470 423 42 5 3, 282 $76,620,509.94 5,049
Town of Southold 19,771 1,867 471 25.23 198 273 236 34 3 1, 114 $16,252,779.45 1,969
Amityville 9,523 1,094 535 48.90 474 61 41 7 13 1, 532 $83,515,117.12 1,243
Asharoken 654 166 69 41.57 54 15 13 2 0 248 $6,355,414.85 171
Atlantic Beach 1,891 367 84 22.89 63 21 16 5 0 226 $8,358,834.43 467
Babylon 12,166 1,149 628 54.66 570 58 36 8 14 1, 757 $91,572,347.90 1,263
Baxter Estates 999 16 2 12.50 2 0 0 0 0 5 $573,849.75 16
Bayville 6,669 858 643 74.94 546 97 81 11 5 1, 275 $21,996,805.20 861
Belle Terre 792 11 0 0.00 0 0 0 0 0 6 $65,990.55 11
Bellport 2,084 148 11 7.43 7 4 4 0 0 47 $891,538.57 152
Brightwaters 3,103 187 32 17.11 31 1 1 0 0 118 $3,416,895.48 186
Cedarhurst 6,592 384 107 27.86 102 5 3 2 0 340 $15,369,074.86 472
Centre Island 410 36 9 25.00 5 4 2 2 0 50 $1,084,193.32 37
Cove Neck 286 11 2 18.18 1 1 1 0 0 7 $598,486.31 10
Dering Harbor 11 11 0 0.00 0 0 0 0 0 2 $0.00 12
East Hampton 1,083 398 50 12.56 13 37 33 4 0 69 $1,237,297.70 430
East Hills 6,955 91 0 0.00 0 0 0 0 0 12 $104,268.02 95
East Rockaway 9,818 858 341 39.74 315 26 18 7 1 1, 142 $46,915,623.85 1,008
East Williston 2,556 13 0 0.00 0 0 0 0 0 #N/A #N/A 12
Floral Park 15,863 54 0 0.00 0 0 0 0 0 2 $3,922.90 53
Flower Hill 4,665 33 0 0.00 0 0 0 0 0 1 $6,036.46 39
Freeport 42,860 3,115 2,110 67.74 1,907 203 100 62 41 6, 017 $228,942,390.53 3,606
Garden City 22,371 50 0 0.00 0 0 0 0 0 4 $4,849.08 63
Great Neck 9,989 106 3 2.83 2 1 1 0 0 126 $1,177,214.85 111
Great Neck Estates 2,761 66 2 3.03 1 1 0 1 0 32 $364,302.92 64
Great Neck Plaza 6,707 5 0 0.00 0 0 0 0 0 #N/A #N/A 9
Greenport 2,197 284 62 21.83 28 34 15 19 0 152 $2,421,362.09 287
Head Of The Harbor 1,472 14 0 0.00 0 0 0 0 0 3 $17,188.24 11
Hempstead 53,891 34 1 2.94 1 0 0 0 0 7 $102,795.27 41
Hewlett Bay Park 404 41 3 7.32 3 0 0 0 0 29 $1,536,597.46 48
Hewlett Harbor 1,263 223 45 20.18 43 2 1 0 1 234 $17,899,699.31 263
Hewlett Neck 445 63 14 22.22 12 2 2 0 0 70 $5,826,570.94 76
Huntington Bay 1,425 70 20 28.57 13 7 2 5 0 81 $1,756,888.33 71
Island Park 4,655 940 439 46.70 392 47 17 10 20 1, 907 $103,043,366.01 1,174
Islandia 3,335 4 0 0.00 0 0 0 0 0 #N/A #N/A 4
Kensington 1,161 15 0 0.00 0 0 0 0 0 4 $10,997.63 15
Kings Point 5,005 166 24 14.46 20 4 3 1 0 124 $1,504,285.22 165
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