Flood Claims Map

New York

Flood insurance claims in Ontario County, New York

FEMA records 263 National Flood Insurance Program claims in Ontario County, New York, since 1978, with $3.8 million paid in total. The year with the most claims was 1993, with 52. As of 3 August 2026, 0.7% of homes here had an NFIP policy.

NFIP claims on record263
Total paid$3.8 million
Claims with a payment171
Homes with NFIP policy0.7%
High-risk zone homes insuredn/a
Residential policies in force297

Claims by year of loss

1978: 119781979: 101980: 01981: 61982: 319821983: 01984: 31985: 11986: 519861987: 21988: 11989: 21990: 119901991: 21992: 11993: 521994: 619941995: 11996: 141997: 01998: 219981999: 02000: 02001: 12002: 020022003: 32004: 102005: 02006: 120062007: 22008: 42009: 02010: 220102011: 92012: 62013: 22014: 3220142015: 152016: 02017: 112018: 020182019: 22020: 22021: 122022: 120222023: 262024: 12025: 42026: 4202652

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

1978: $019781979: $4,1661980: $01981: $4,3291982: $2,90019821983: $01984: $3,6091985: $01986: $12,74119861987: $01988: $01989: $01990: $019901991: $01992: $8981993: $480,6461994: $9,39619941995: $01996: $16,7111997: $01998: $4,70219981999: $02000: $02001: $02002: $020022003: $11,9802004: $60,7932005: $02006: $1,69620062007: $101,2312008: $35,7892009: $02010: $7,64820102011: $108,0222012: $1.3 million2013: $24,1872014: $566,14220142015: $240,3112016: $02017: $133,1442018: $020182019: $02020: $76,6742021: $128,6562022: $020222023: $500,2212024: $3,2522025: $24,6292026: $02026$1.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Vermont/New York Flooding25
Flooding10
Hurricane Sandy4
Mid-spring storms2
Not a named storm1
Tropical Storm Fred1
Blizzard of 19931
Hurricane Debby1

ZIP codes with the most claims

ZIP code (as reported)Claims
14424106
1447149
1445636
1451226
1454414
144534
144693
144613
145323
144193

161 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.6 million, contents $1.3 million, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0207n/a
All homes42,3162970.7%

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

  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.