Flood insurance claims in Fulton County, New York

FEMA records 116 National Flood Insurance Program claims in Fulton County, New York, since 1979, with $873,738 paid in total. The year with the most claims was 2006, with 31. As of 3 August 2026, 0.3% of homes here had an NFIP policy.

NFIP claims on record116

Total paid$873,738

Claims with a payment86

Homes with NFIP policy0.3%

High-risk zone homes insuredn/a

Residential policies in force73

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	7
Tropical Storm Lee	7
Hurricane Irene	3
Not a named storm	1
Torrential rain	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
12078	47
12095	47
12117	8
12134	7
13329	2
12025	2
12032	2
13470	1

68 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $521,058, contents $352,680, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	0	57	n/a
All homes	24,564	73	0.3%

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.