Flood insurance claims in Delaware County, New York

FEMA records 1,291 National Flood Insurance Program claims in Delaware County, New York, since 1978, with $39.6 million paid in total. The year with the most claims was 2006, with 445. As of 3 August 2026, 1.9% of homes here had an NFIP policy, and 22.9% of homes in the high-risk flood zone did.

NFIP claims on record1,291

Total paid$39.6 million

Claims with a payment1,131

Homes with NFIP policy1.9%

High-risk zone homes insured22.9%

Residential policies in force534

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Tropical Storm Lee	238
Flooding	154
Hurricane Irene	127
Torrential rain	79
Hurricane Debby	12
Hurricane Gloria	4
Hurricane Sandy	3
December Storm - Nor'easter	2

ZIP codes with the most claims

ZIP code (as reported)	Claims
13838	361
13856	225
12455	138
13754	95
13755	90
13756	52
13783	48
12430	40
12406	37
13731	34

975 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $32.9 million, contents $6.5 million, increased cost of compliance $260,196.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,772	406	22.9%
All homes	28,660	534	1.9%

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

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.