Homeowners Insurance & Natural Hazard Costs in Hempstead
The Town of Hempstead's south-shore barrier hamlets carry the most severe, most direct hurricane exposure of any market in this Westchester/Long Island Tier A pass.
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Learn moreReal, severe, direct Atlantic hurricane exposure
Point Lookout, Lido Beach, and Atlantic Beach sit directly on Atlantic-facing barrier beach with essentially no natural flood mitigation -- genuinely more severe than New Rochelle's Sound frontage or Yonkers'/White Plains' inland risk.
Superstorm Sandy's real, documented regional impact
The broader south-shore Long Island region sustained approximately $65 billion in damage, 100,000+ homes destroyed or damaged, and 13 deaths during Superstorm Sandy, with storm surge exceeding 12 feet.
Confirm FEMA flood-zone status directly
South-shore and barrier-island properties specifically should confirm current FEMA flood-zone status and separate flood-insurance requirements before purchasing.
Key takeaways
- The Town's south-shore barrier hamlets carry the most severe direct hurricane exposure of any market in this pass.
- Superstorm Sandy caused approximately $65 billion in regional south-shore Long Island damage.
- Confirm current FEMA flood-zone status directly for any south-shore or barrier-island property.
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