Until the size of expected insurance-rate hikes is known, and federal officials release the final update of flood-zone maps, making the sell-or-stay call will be difficult. Further muddying the waters are differing objectives from the city and state governments, with the former focusing on rebuilding and the latter pushing buyouts, said Joseph Pupello, head of Zone A New York, a group of housing and environmental experts monitoring rehabilitation efforts.

“It’s difficult for homeowners to make decisions,” he said.