Flood Claims Map

Delaware

Flood insurance claims in Sussex County, Delaware

FEMA records 4,307 National Flood Insurance Program claims in Sussex County, Delaware, since 1978, with $35.7 million paid in total. The year with the most claims was 2012, with 1,486. As of 3 August 2026, 12.7% of homes here had an NFIP policy, and 61.4% of homes in the high-risk flood zone did.

NFIP claims on record4,307
Total paid$35.7 million
Claims with a payment3,207
Homes with NFIP policy12.7%
High-risk zone homes insured61.4%
Residential policies in force15,126

Claims by year of loss

1978: 519781979: 81980: 181981: 81982: 1619821983: 221984: 591985: 1211986: 219861987: 31988: 41989: 231990: 319901991: 1071992: 6721993: 381994: 10419941995: 21996: 571997: 121998: 75619981999: 162000: 102001: 102002: 920022003: 462004: 42005: 72006: 4220062007: 12008: 452009: 1242010: 1820102011: 522012: 1,4862013: 342014: 820142015: 342016: 1412017: 102018: 2220182019: 202020: 172021: 442022: 1120222023: 222024: 112025: 182026: 520261,486

NFIP claims by year of loss, Sussex County, Delaware

1978: $35,09619781979: $8,9461980: $84,7771981: $6,4661982: $9,92119821983: $67,3621984: $67,0081985: $468,6001986: $24919861987: $01988: $01989: $183,5241990: $019901991: $135,7881992: $5.0 million1993: $54,4571994: $420,55719941995: $28,9001996: $197,5821997: $10,8291998: $6.0 million19981999: $32,3942000: $15,9672001: $52,9602002: $16,81020022003: $127,9332004: $21,1442005: $28,4752006: $432,16820062007: $02008: $214,5702009: $854,4792010: $41,95920102011: $526,1382012: $17.5 million2013: $171,9442014: $9,41220142015: $137,2442016: $1.2 million2017: $32,1002018: $115,96120182019: $97,7582020: $38,5492021: $871,0822022: $46,27720222023: $142,2952024: $51,6022025: $66,7362026: $02026$17.5 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Sussex County, Delaware

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy1,441
Flooding1,163
Hurricane Gloria111
December Storm - Nor'easter94
Hurricane Irene29
Hurricane Isabel27
Hurricane Floyd6
Tropical Storm Ophelia4

ZIP codes with the most claims

ZIP code (as reported)Claims
199301,412
19971880
19944392
19975377
19966325
19958224
19970155
19939113
19963102
1996880

3,871 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $32.7 million, contents $2.7 million, increased cost of compliance $266,194.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone17,44010,70861.4%
All homes119,46015,12612.7%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.