Flood Claims Map

New York

Flood insurance claims in Erie County, New York

FEMA records 2,483 National Flood Insurance Program claims in Erie County, New York, since 1978, with $12.8 million paid in total. The year with the most claims was 1979, with 723. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 28.4% of homes in the high-risk flood zone did.

NFIP claims on record2,483
Total paid$12.8 million
Claims with a payment1,755
Homes with NFIP policy0.4%
High-risk zone homes insured28.4%
Residential policies in force1,364

Claims by year of loss

1978: 10119781979: 7231980: 701981: 771982: 11319821983: 101984: 631985: 4131986: 8219861987: 571988: 81989: 181990: 619901991: 21992: 191993: 61994: 1819941995: 11996: 361997: 91998: 5819981999: 922000: 292001: 122002: 2320022003: 202004: 302005: 122006: 6620062007: 62008: 282009: 432010: 820102011: 122012: 22013: 312014: 3820142015: 142016: 22017: 212018: 920182019: 222020: 202021: 172022: 2220222023: 22024: 62025: 02026: 62026723

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

1978: $91,59619781979: $2.2 million1980: $160,0071981: $146,4141982: $173,61019821983: $8,9561984: $43,1941985: $2.8 million1986: $117,29819861987: $108,9271988: $15,7421989: $43,5741990: $23,55019901991: $01992: $65,9261993: $8,6531994: $41,31619941995: $2,8511996: $150,7691997: $19,4891998: $583,64619981999: $523,7422000: $292,2952001: $86,4542002: $79,12020022003: $170,4192004: $175,4632005: $100,1832006: $245,84320062007: $69,4892008: $214,0242009: $407,2972010: $37,27020102011: $120,6902012: $1432013: $233,3812014: $414,20620142015: $144,9562016: $5,9922017: $275,1902018: $35,48220182019: $398,0842020: $803,8922021: $485,1032022: $479,77520222023: $02024: $5,8532025: $02026: $204,8102026$2.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding387
Late summer storms29
Not a named storm10
December Storm - Nor'easter3
Hurricane Sandy1

ZIP codes with the most claims

ZIP code (as reported)Claims
14221335
14081208
14219187
14224156
14210132
1422099
1422597
1400695
1405194
1421891

1,098 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $10.2 million, contents $2.6 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,29893728.4%
All homes316,4161,3640.4%

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.