Flood Claims Map

New York

Flood insurance claims in Chenango County, New York

FEMA records 632 National Flood Insurance Program claims in Chenango County, New York, since 1978, with $11.4 million paid in total. The year with the most claims was 2011, with 228. As of 3 August 2026, 1.4% of homes here had an NFIP policy, and 19.9% of homes in the high-risk flood zone did.

NFIP claims on record632
Total paid$11.4 million
Claims with a payment518
Homes with NFIP policy1.4%
High-risk zone homes insured19.9%
Residential policies in force331

Claims by year of loss

1978: 619781979: 291980: 31981: 111982: 119821983: 31984: 01985: 01986: 319861987: 01988: 01989: 01990: 019901991: 01992: 01993: 71994: 119941995: 01996: 71997: 01998: 319981999: 12000: 22001: 42002: 020022003: 02004: 22005: 622006: 21520062007: 22008: 12009: 02010: 020102011: 2282012: 32013: 152014: 320142015: 32016: 02017: 12018: 220182019: 72020: 12021: 02022: 020222023: 22024: 12025: 3228

NFIP claims by year of loss, Chenango County, New York

1978: $8,06619781979: $16,7981980: $1,9241981: $7,0101982: $019821983: $11,9711984: $01985: $01986: $10,21819861987: $01988: $01989: $01990: $019901991: $01992: $01993: $8,1991994: $1,43419941995: $01996: $47,2141997: $01998: $019981999: $1,2082000: $4,9812001: $02002: $020022003: $02004: $14,3582005: $674,6222006: $4.6 million20062007: $3,0622008: $4,3092009: $02010: $020102011: $5.5 million2012: $1,0002013: $204,3752014: $020142015: $4,4382016: $02017: $8122018: $11,30520182019: $42,7082020: $02021: $02022: $020222023: $16,9372024: $24,7862025: $76,554$5.5 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Chenango County, New York

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Lee194
Torrential rain60
Flooding18
Hurricane Irene7
Not a named storm2
Hurricane Sandy2
December Nor'easter1
Blizzard of 19931

ZIP codes with the most claims

ZIP code (as reported)Claims
13815228
13778121
1373378
1383065
1373048
1346030
1380911
1341110
137808
138138

411 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $9.7 million, contents $1.6 million, increased cost of compliance $71,672.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,50029819.9%
All homes24,0803311.4%

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.