Flood Claims Map

New York

Flood insurance claims in Dutchess County, New York

FEMA records 765 National Flood Insurance Program claims in Dutchess County, New York, since 1978, with $14.0 million paid in total. The year with the most claims was 2011, with 216. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 31.3% of homes in the high-risk flood zone did.

NFIP claims on record765
Total paid$14.0 million
Claims with a payment609
Homes with NFIP policy1.2%
High-risk zone homes insured31.3%
Residential policies in force1,124

Claims by year of loss

1978: 1019781979: 91980: 41981: 21982: 219821983: 31984: 271985: 01986: 019861987: 61988: 11989: 51990: 119901991: 01992: 01993: 01994: 219941995: 41996: 241997: 21998: 119981999: 142000: 22001: 32002: 220022003: 152004: 32005: 592006: 320062007: 1502008: 212009: 32010: 1020102011: 2162012: 82013: 72014: 420142015: 12016: 62017: 02018: 420182019: 02020: 42021: 782022: 1020222023: 292024: 52025: 22026: 32026216

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

1978: $27,43319781979: $6,7011980: $1,9661981: $4451982: $91919821983: $2,9401984: $101,5501985: $01986: $019861987: $18,1681988: $01989: $62,5231990: $019901991: $01992: $01993: $01994: $1,75019941995: $33,3001996: $142,3811997: $3,0161998: $1,01719981999: $481,3932000: $2,8252001: $3,0132002: $22,80820022003: $101,0382004: $15,3682005: $682,7422006: $28,94620062007: $4.2 million2008: $97,9002009: $78,6482010: $36,99420102011: $4.5 million2012: $289,6572013: $53,8922014: $16,79720142015: $02016: $14,5112017: $02018: $39,41420182019: $02020: $5,6062021: $1.7 million2022: $35,61320222023: $1.0 million2024: $90,5432025: $4952026: $22,2222026$4.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene158
April 2007 Nor'easter147
Hurricane Ida73
Torrential rain53
Flooding31
Tropical Storm Lee16
Vermont/New York Flooding14
Hurricane Floyd10

ZIP codes with the most claims

ZIP code (as reported)Claims
12533130
1252494
1260381
1260160
1256955
1252252
1250850
1259049
1256430
1253827

460 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $11.7 million, contents $2.2 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,45576831.3%
All homes96,9141,1241.2%

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.