Flood Claims Map

New York

Flood insurance claims in Monroe County, New York

FEMA records 828 National Flood Insurance Program claims in Monroe County, New York, since 1978, with $5.0 million paid in total. The year with the most claims was 2017, with 119. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 26.4% of homes in the high-risk flood zone did.

NFIP claims on record828
Total paid$5.0 million
Claims with a payment461
Homes with NFIP policy0.4%
High-risk zone homes insured26.4%
Residential policies in force963

Claims by year of loss

1978: 2619781979: 301980: 111981: 71982: 719821983: 51984: 81985: 21986: 519861987: 81988: 11989: 81990: 419901991: 741992: 111993: 1031994: 419941995: 11996: 111997: 21998: 9819981999: 32000: 162001: 52002: 520022003: 62004: 732005: 132006: 820062007: 72008: 52009: 22010: 120102011: 112012: 82013: 112014: 2320142015: 52016: 02017: 1192018: 520182019: 372020: 22021: 92022: 220222023: 52024: 12025: 92026: 112026119

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

1978: $45,35519781979: $17,8501980: $11,6111981: $8001982: $5,53819821983: $1381984: $10,2921985: $5,0121986: $30,45019861987: $11,6301988: $01989: $1,5381990: $019901991: $28,7201992: $7,8761993: $243,8601994: $1,47619941995: $23,2351996: $78,6031997: $01998: $606,27119981999: $55,7942000: $37,6072001: $7,1862002: $6,14220022003: $11,8212004: $1.2 million2005: $70,3392006: $29,27420062007: $21,7872008: $14,5332009: $5,5162010: $020102011: $57,5462012: $13,9222013: $128,5752014: $259,52320142015: $4,2902016: $02017: $998,1082018: $41,45820182019: $330,1622020: $54,6852021: $48,1822022: $020222023: $75,2622024: $02025: $297,4592026: $39,0182026$1.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding11
Blizzard of 19938
Torrential rain7
Hurricane Sandy4
April 2007 Nor'easter3
Not a named storm2
Late summer storms2
December Storm - Nor'easter1

ZIP codes with the most claims

ZIP code (as reported)Claims
14612132
14468101
1462391
1453456
1462551
1458042
1446441
1462439
1461738
1462232

536 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.6 million, contents $276,385, increased cost of compliance $59,950.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,34161726.4%
All homes243,5379630.4%

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.