Flood Claims Map

New York

Flood insurance claims in Montgomery County, New York

FEMA records 288 National Flood Insurance Program claims in Montgomery County, New York, since 1979, with $8.9 million paid in total. The year with the most claims was 2011, with 69. As of 3 August 2026, 0.8% of homes here had an NFIP policy, and 23.4% of homes in the high-risk flood zone did.

NFIP claims on record288
Total paid$8.9 million
Claims with a payment242
Homes with NFIP policy0.8%
High-risk zone homes insured23.4%
Residential policies in force139

Claims by year of loss

1979: 319791980: 81981: 231982: 21983: 119831984: 01985: 11986: 31987: 619871988: 01989: 01990: 11991: 019911992: 11993: 11994: 01995: 119951996: 141997: 01998: 01999: 119992000: 02001: 22002: 02003: 220032004: 02005: 62006: 662007: 420072008: 12009: 02010: 92011: 6920112012: 02013: 522014: 02015: 020152016: 12017: 02018: 12019: 320192020: 02021: 669

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

1979: $8,57419791980: $24,8511981: $125,4781982: $3,8351983: $019831984: $01985: $01986: $8421987: $23,53619871988: $01989: $01990: $01991: $019911992: $01993: $1101994: $01995: $019951996: $136,3571997: $01998: $01999: $13,40019992000: $02001: $02002: $02003: $3,20220032004: $02005: $69,3412006: $3.5 million2007: $211,69820072008: $1,0672009: $02010: $62,1492011: $2.9 million20112012: $02013: $1.6 million2014: $02015: $020152016: $02017: $02018: $02019: $36,01720192020: $02021: $98,960$3.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene46
Flooding33
Tropical Storm Lee20
Torrential rain4
March 2010 Nor'easter3
April 2007 Nor'easter2
Hurricane Gloria1

ZIP codes with the most claims

ZIP code (as reported)Claims
13339109
1206862
1201033
1345223
1207220
1206613
120708
133178
121665
134102

177 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.8 million, contents $2.0 million, increased cost of compliance $93,500.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone47111023.4%
All homes18,3741390.8%

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.