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See also the New York Condominium Act (NY Real Prop. Law § 339).
A starting point for diligence, not a safety or compliance rating. Full flood, structural, and hazard detail is below.
Public record · Federal hazard-risk index, federal flood-hazard maps
Relatively High composite risk for this county · 92nd percentile of NY counties
36 federal disaster declarations for this county, including 13 hurricanes, most recent Oct 2024.
For context, not a safety rating.
Public record · Federal hazard-risk index, federal disaster declarations
Communities in this county participate in the federal flood insurance program
Reference only; flood-insurance requirements depend on your specific flood zone and lender.
Public record · Federal flood program records
Annual change in ZIP 11940
2020 +2.4% · 2021 +10.5% · 2022 +17.3% · 2023 +6.8% · 2024 +9.0% · 2025 +4.7%
Area price appreciation for context, not an appraisal of this association or any unit. Its publisher labels the index developmental: it is built from conforming-mortgage data, and small housing markets are suppressed.
Public record · Federal house-price index · as of Mar 2026
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Most recent significant event in Suffolk County: Flash flood, Jul 31, 2025.
County-level weather records from the federal storm-event database, for context. Each event is logged for a whole county or forecast zone, not for individual properties, so counts and damage estimates describe Suffolk County as a whole, never this association's own loss history.
Public record · Federal storm-event records · events since 2015
Common Elements directory
Homeowners insurance in ZIP 11940 · 2022
Average premium changed +12.9% across the filed window (2018 to 2022).
ZIP-area averages from federal filings, not a quote for this building. Your rate depends on the building's construction, claims history, and coverage.
Public record · Federal homeowners-insurance filings · as of 2018 to 2022
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Cross-referenced public records
On file as VILLAS AT HARTS COVE CONDOMINIUM
Principal address · Legal name · Type
Filed as shown; displayed as Villas at Harts Cove Condominium
Geocoded from the address on file
Map location
Geocoded 2026-06-16
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