Flood Claims Map

New York

Flood insurance claims in Madison County, New York

FEMA records 313 National Flood Insurance Program claims in Madison County, New York, since 1979, with $4.7 million paid in total. The year with the most claims was 2013, with 102. As of 3 August 2026, 1.1% of homes here had an NFIP policy.

NFIP claims on record313
Total paid$4.7 million
Claims with a payment252
Homes with NFIP policy1.1%
High-risk zone homes insuredn/a
Residential policies in force297

Claims by year of loss

1979: 1019791980: 11981: 121982: 21983: 519831984: 01985: 01986: 01987: 019871988: 11989: 01990: 11991: 019911992: 01993: 221994: 91995: 219951996: 381997: 01998: 01999: 219992000: 82001: 22002: 12003: 520032004: 132005: 22006: 122007: 420072008: 42009: 12010: 22011: 720112012: 02013: 1022014: 32015: 020152016: 12017: 132018: 02019: 020192020: 02021: 22022: 02023: 020232024: 12025: 25102

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

1979: $5,03719791980: $01981: $36,1871982: $2,1651983: $7,88319831984: $01985: $01986: $01987: $019871988: $01989: $01990: $01991: $019911992: $01993: $110,7121994: $26,1131995: $1,29419951996: $148,2191997: $01998: $01999: $019992000: $23,2922001: $02002: $02003: $43,32920032004: $35,0192005: $7,8132006: $49,6372007: $4,02720072008: $21,8742009: $5632010: $8,5722011: $9,72220112012: $02013: $3.5 million2014: $2,0242015: $020152016: $02017: $44,8672018: $02019: $020192020: $02021: $32,4182022: $02023: $020232024: $02025: $506,023$3.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding35
Tropical Storm Lee3
Torrential rain1
Tropical Storm Henri1
Hurricane Irene1

ZIP codes with the most claims

ZIP code (as reported)Claims
13421127
1303766
1303260
1303025
1303516
130824
133464
130723
130613
134091

247 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.5 million, contents $146,745, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0240n/a
All homes27,6882971.1%

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.