Flood Claims Map

New York

Flood insurance claims in Oswego County, New York

FEMA records 221 National Flood Insurance Program claims in Oswego County, New York, since 1978, with $2.5 million paid in total. The year with the most claims was 1993, with 31. As of 3 August 2026, 0.5% of homes here had an NFIP policy, and 19.1% of homes in the high-risk flood zone did.

NFIP claims on record221
Total paid$2.5 million
Claims with a payment145
Homes with NFIP policy0.5%
High-risk zone homes insured19.1%
Residential policies in force272

Claims by year of loss

1978: 519781979: 211980: 41981: 31982: 019821983: 61984: 21985: 11986: 319861987: 01988: 11989: 21990: 219901991: 21992: 41993: 311994: 1919941995: 11996: 101997: 01998: 319981999: 42000: 32001: 42002: 120022003: 12004: 02005: 22006: 620062007: 62008: 02009: 22010: 020102011: 102012: 32013: 12014: 420142015: 22016: 22017: 172018: 820182019: 172020: 32021: 02022: 020222023: 32024: 231

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

1978: $3,56519781979: $41,0131980: $1,4951981: $01982: $019821983: $8,0191984: $2061985: $01986: $1,01119861987: $01988: $01989: $01990: $019901991: $19,0091992: $286,7961993: $109,6951994: $134,73519941995: $01996: $32,1911997: $01998: $11,18619981999: $36,3502000: $42,7012001: $30,1612002: $8,03120022003: $02004: $02005: $31,7702006: $278,44020062007: $27,8092008: $02009: $13,9312010: $020102011: $588,5292012: $02013: $02014: $8,32820142015: $4,2972016: $73,3942017: $204,7722018: $67,01320182019: $318,4092020: $02021: $02022: $020222023: $83,7652024: $26,118$588,529

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Lee5
Flooding5
Not a named storm3
Hurricane Debby2
Vermont/New York Flooding2
Torrential rain2
Hurricane Sandy1
December Storm - Nor'easter1

ZIP codes with the most claims

ZIP code (as reported)Claims
1312632
1382726
1314223
1303620
1314519
1313215
1306914
1316712
1311411
131319

129 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $2.1 million, contents $394,772, increased cost of compliance $29,869.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,05520219.1%
All homes50,8232720.5%

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.