Flood Claims Map

New York

Flood insurance claims in Orange County, New York

FEMA records 2,032 National Flood Insurance Program claims in Orange County, New York, since 1978, with $26.8 million paid in total. The year with the most claims was 2011, with 589. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 31.4% of homes in the high-risk flood zone did.

NFIP claims on record2,032
Total paid$26.8 million
Claims with a payment1,554
Homes with NFIP policy0.9%
High-risk zone homes insured31.4%
Residential policies in force1,082

Claims by year of loss

1978: 3519781979: 2211980: 621981: 671982: 1319821983: 271984: 931985: 11986: 219861987: 241988: 11989: 91990: 319901991: 31992: 01993: 61994: 719941995: 91996: 1111997: 21998: 819981999: 932000: 52001: 22002: 320022003: 92004: 232005: 1542006: 3720062007: 1162008: 182009: 82010: 5320102011: 5892012: 172013: 172014: 320142015: 62016: 112017: 32018: 1320182019: 22020: 132021: 622022: 420222023: 532024: 32025: 72026: 42026589

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

1978: $106,61019781979: $409,8411980: $69,7581981: $526,4781982: $4,86119821983: $20,5271984: $223,3201985: $01986: $1,50419861987: $48,8951988: $01989: $30,9311990: $019901991: $30,8321992: $01993: $31,6381994: $8,98619941995: $65,6261996: $657,0561997: $7,9511998: $27,06919981999: $934,8082000: $15,6012001: $12,3112002: $16,63820022003: $55,8692004: $428,7192005: $3.5 million2006: $432,67920062007: $1.5 million2008: $117,6992009: $29,2822010: $552,93220102011: $13.5 million2012: $362,4352013: $65,7132014: $8,39520142015: $8,0362016: $108,2192017: $27,3102018: $257,41720182019: $3,5402020: $102,5752021: $1.2 million2022: $84,93120222023: $1.2 million2024: $02025: $102,0552026: $25,1732026$13.5 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene505
Flooding194
Torrential rain145
Not a named storm131
April 2007 Nor'easter112
Hurricane Floyd86
Hurricane Ida49
March 2010 Nor'easter44

ZIP codes with the most claims

ZIP code (as reported)Claims
10992356
10950289
12771220
10940127
10925108
12550107
1091895
1092490
1099080
1255357

1,054 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $21.8 million, contents $4.8 million, increased cost of compliance $194,782.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,11566431.4%
All homes115,7881,0820.9%

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.