Flood insurance claims in Niagara County, New York

FEMA records 184 National Flood Insurance Program claims in Niagara County, New York, since 1978, with $825,609 paid in total. The year with the most claims was 2013, with 30. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 20.4% of homes in the high-risk flood zone did.

NFIP claims on record184

Total paid$825,609

Claims with a payment114

Homes with NFIP policy0.6%

High-risk zone homes insured20.4%

Residential policies in force453

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	8
Torrential rain	1
Hurricane Gloria	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
14304	68
14094	30
14303	22
14120	18
14105	10
14301	9
14305	7
14174	6
14126	5
14131	3

108 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $722,720, contents $102,889, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	1,834	374	20.4%
All homes	81,196	453	0.6%

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.