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New York flood insurance claims by county
175,430 National Flood Insurance Program claims across 62 New York counties since 1978, with $5.75B paid. The worst year statewide was 2012 (57,991 claims), and October is the peak month for flood losses. Pick a county for ZIP-level detail.
NFIP claims
175,430
1978 – 2026
Total paid
$5.75B
nominal dollars
Counties with claims
62
each has its own page
Outside high-risk zones
30%
of claims with a known zone
New York flood claims by year
Peak: 57,991 claims in 2012
All New York NFIP claims by year of loss.
New York counties by flood claims
| Nassau County | 51,523 | $2.28B | 29% | 2012 | Hurricane Sandy (2012) |
| Suffolk County | 33,936 | $1.11B | 24% | 2012 | Hurricane Sandy (2012) |
| Richmond County | 19,422 | $282.2M | 23% | 2012 | Hurricane Sandy (2012) |
| Queens County | 14,948 | $707.5M | 35% | 2012 | Hurricane Sandy (2012) |
| Westchester County | 12,259 | $272.8M | 40% | 2021 | Hurricane Ida (2021) |
| Kings County | 6,319 | $329.9M | 39% | 2012 | Hurricane Sandy (2012) |
| Rockland County | 3,480 | $45.4M | 48% | 2011 | Hurricane Irene (2011) |
| Broome County | 3,103 | $138.3M | 52% | 2011 | Tropical Storm Lee (2011) |
| Erie County | 2,483 | $12.8M | 33% | 1979 | Late summer storms (2009) |
| Orange County | 2,032 | $26.8M | 35% | 2011 | Hurricane Irene (2011) |
| Bronx County | 1,945 | $27.4M | 31% | 2012 | Hurricane Sandy (2012) |
| Chautauqua County | 1,803 | $10.0M | 11% | 1979 | Late summer storms (2009) |
| Tioga County | 1,558 | $61.3M | 18% | 2011 | Tropical Storm Lee (2011) |
| New York County | 1,498 | $120.8M | 31% | 2012 | Hurricane Sandy (2012) |
| Delaware County | 1,291 | $39.6M | 19% | 2006 | Tropical Storm Lee (2011) |
| Ulster County | 1,279 | $30.2M | 32% | 2011 | Hurricane Irene (2011) |
| Oneida County | 1,069 | $16.2M | 22% | 2011 | Tropical Storm Lee (2011) |
| Onondaga County | 970 | $8.6M | 25% | 1993 | Tropical Storm Fred (2021) |
| Sullivan County | 945 | $16.2M | 30% | 2006 | Hurricane Irene (2011) |
| Monroe County | 828 | $5.0M | 30% | 2017 | Blizzard of 1993 (1993) |
| Dutchess County | 765 | $14.0M | 36% | 2011 | Hurricane Irene (2011) |
| Schoharie County | 666 | $31.4M | 19% | 2011 | Hurricane Irene (2011) |
| Chenango County | 632 | $11.4M | 29% | 2011 | Tropical Storm Lee (2011) |
| Greene County | 587 | $19.1M | 31% | 2011 | Hurricane Irene (2011) |
| Saratoga County | 581 | $8.1M | 21% | 2011 | Hurricane Irene (2011) |
| Cattaraugus County | 493 | $5.1M | 27% | 1996 | Late summer storms (2009) |
| Rensselaer County | 475 | $5.8M | 18% | 2011 | Hurricane Irene (2011) |
| Otsego County | 463 | $9.0M | 30% | 2006 | Tropical Storm Lee (2011) |
| Herkimer County | 422 | $6.1M | 28% | 2013 | Tropical Storm Lee (2011) |
| Albany County | 377 | $4.7M | 42% | 2011 | Hurricane Irene (2011) |
| Steuben County | 375 | $2.1M | 44% | 1996 | Hurricane Debby (2024) |
| Putnam County | 373 | $5.4M | 50% | 2011 | Hurricane Irene (2011) |
| Essex County | 369 | $6.3M | 39% | 2011 | Hurricane Irene (2011) |
| Cortland County | 358 | $3.4M | 20% | 2005 | Late summer storms (2009) |
| Schenectady County | 357 | $8.3M | 37% | 2011 | Hurricane Irene (2011) |
| Madison County | 313 | $4.7M | 13% | 2013 | Tropical Storm Lee (2011) |
| Chemung County | 304 | $2.6M | 41% | 1996 | Tropical Storm Lee (2011) |
| Clinton County | 296 | $5.2M | 42% | 2011 | Hurricane Irene (2011) |
| Tompkins County | 290 | $1.9M | 42% | 1981 | Tropical Storm Lee (2011) |
| Montgomery County | 288 | $8.9M | 30% | 2011 | Hurricane Irene (2011) |
| Cayuga County | 265 | $1.5M | 32% | 1993 | Tropical Storm Henri (2021) |
| Ontario County | 263 | $3.8M | 34% | 1993 | Vermont/New York Flooding (2023) |
| Jefferson County | 250 | $2.4M | 30% | 2017 | December Storm - Nor'easter (1992) |
| Columbia County | 245 | $3.1M | 30% | 2011 | Hurricane Irene (2011) |
| Oswego County | 221 | $2.5M | 35% | 1993 | Tropical Storm Lee (2011) |
| Wayne County | 209 | $2.5M | 27% | 2019 | December Storm - Nor'easter (1992) |
| Allegany County | 193 | $715K | 29% | 1996 | Hurricane Debby (2024) |
| Niagara County | 184 | $826K | 31% | 2013 | Hurricane Gloria (1985) |
| Yates County | 149 | $1.1M | 27% | 2014 | Tropical Storm Fred (2021) |
| Genesee County | 137 | $1.9M | 31% | 1998 | Not a named storm (1979) |
| Washington County | 136 | $1.4M | 38% | 2011 | Hurricane Irene (2011) |
| Fulton County | 116 | $874K | 25% | 2006 | Tropical Storm Lee (2011) |
| Warren County | 116 | $1.8M | 46% | 2011 | Hurricane Irene (2011) |
| Wyoming County | 113 | $975K | 26% | 1998 | Not a named storm (1979) |
| Seneca County | 108 | $977K | 40% | 1993 | — |
| Livingston County | 101 | $665K | 19% | 2014 | Not a named storm (1979) |
| St. Lawrence County | 95 | $1.7M | 26% | 1998 | Hurricane Debby (2024) |
| Franklin County | 40 | $179K | 35% | 1998 | — |
| Orleans County | 39 | $139K | 48% | 2017 | Blizzard of 1993 (1993) |
| Lewis County | 38 | $456K | 28% | 1998 | Tropical Storm Fred (2021) |
| Hamilton County | 35 | $719K | 37% | 2011 | December Nor'easter (2023) |
| Schuyler County | 30 | $410K | 41% | 1993 | — |
All 62 counties — click a column to sort.
Largest flood events in New York
| Flood event (FEMA name) | Claims | Paid | Year |
|---|---|---|---|
| Hurricane Sandy | 57,405 | $4.22B | 2012 |
| Hurricane Irene | 14,744 | $348.7M | 2011 |
| December Storm - Nor'easter | 9,061 | $108.6M | 1992 |
| Torrential rain (FEMA general label) | 4,991 | $47.9M | 2005 |
| Not a named storm | 4,392 | $12.6M | 1979 |
| The "Halloween" Storm | 3,496 | $35.5M | 1991 |
| Hurricane Ida | 3,355 | $151.3M | 2021 |
| Tropical Storm Lee | 3,159 | $160.3M | 2011 |
| Flooding (FEMA general label) | 2,887 | $28.5M | 1996 |
| Hurricane Gloria | 2,706 | $10.2M | 1985 |
| Flooding (FEMA general label) | 2,510 | $5.8M | 1980 |
| March 2010 Nor'easter | 2,500 | $17.1M | 2010 |
Flood claims outside the high-risk map
High-risk A zones: 104,053 (59%)Coastal high-risk V zones: 2,887 (2%)Moderate / low-risk zones (B, C, X): 45,679 (26%)Zone not recorded: 22,811 (13%)
Counties (with at least 100 claims) where the largest share of claims came from moderate- or low-risk zones:
| County | Claims in B / C / X zones | Share of all claims |
|---|---|---|
| Broome County | 1,565 | 52% |
| Putnam County | 124 | 50% |
| Rockland County | 1,229 | 48% |
| Warren County | 44 | 46% |
| Steuben County | 145 | 44% |
| Tompkins County | 79 | 42% |
| Albany County | 154 | 42% |
| Clinton County | 111 | 42% |
| Chemung County | 99 | 41% |
| Westchester County | 4,298 | 40% |
All 62 New York counties
Albany County (377)Allegany County (193)Bronx County (1,945)Broome County (3,103)Cattaraugus County (493)Cayuga County (265)Chautauqua County (1,803)Chemung County (304)Chenango County (632)Clinton County (296)Columbia County (245)Cortland County (358)Delaware County (1,291)Dutchess County (765)Erie County (2,483)Essex County (369)Franklin County (40)Fulton County (116)Genesee County (137)Greene County (587)Hamilton County (35)Herkimer County (422)Jefferson County (250)Kings County (6,319)Lewis County (38)Livingston County (101)Madison County (313)Monroe County (828)Montgomery County (288)Nassau County (51,523)New York County (1,498)Niagara County (184)Oneida County (1,069)Onondaga County (970)Ontario County (263)Orange County (2,032)Orleans County (39)Oswego County (221)Otsego County (463)Putnam County (373)Queens County (14,948)Rensselaer County (475)Richmond County (19,422)Rockland County (3,480)Saratoga County (581)Schenectady County (357)Schoharie County (666)Schuyler County (30)Seneca County (108)St. Lawrence County (95)Steuben County (375)Suffolk County (33,936)Sullivan County (945)Tioga County (1,558)Tompkins County (290)Ulster County (1,279)Warren County (116)Washington County (136)Wayne County (209)Westchester County (12,259)Wyoming County (113)Yates County (149)
Source: FEMA OpenFEMA NFIP Redacted Claims, U.S. government work. 872 New York claims have no county code and appear only in the statewide totals. Counties with no NFIP claim on file do not have a page. Reference only — not for insurance, legal or real-estate decisions.