Flood insurance claims in Onondaga County, New York

FEMA records 970 National Flood Insurance Program claims in Onondaga County, New York, since 1978, with $8.6 million paid in total. The year with the most claims was 1993, with 190. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 27.5% of homes in the high-risk flood zone did.

NFIP claims on record970

Total paid$8.6 million

Claims with a payment695

Homes with NFIP policy0.7%

High-risk zone homes insured27.5%

Residential policies in force1,056

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	52
Tropical Storm Fred	24
Torrential rain	11
Blizzard of 1993	5
Tropical Storm Henri	3
Late summer storms	3
April 2007 Nor'easter	2
Hurricane Irene	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
13029	137
13027	100
13057	80
13066	61
13104	52
13224	50
13204	45
13030	38
13039	33
13041	31

561 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.2 million, contents $1.4 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	2,978	820	27.5%
All homes	153,663	1,056	0.7%

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.