Flood Claims Map

New York

Flood insurance claims in Otsego County, New York

FEMA records 463 National Flood Insurance Program claims in Otsego County, New York, since 1978, with $9.0 million paid in total. The year with the most claims was 2006, with 196. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 17.9% of homes in the high-risk flood zone did.

NFIP claims on record463
Total paid$9.0 million
Claims with a payment365
Homes with NFIP policy0.9%
High-risk zone homes insured17.9%
Residential policies in force256

Claims by year of loss

1978: 819781979: 201980: 11981: 61982: 019821983: 11984: 01985: 01986: 319861987: 11988: 01989: 01990: 019901991: 01992: 01993: 61994: 019941995: 01996: 91997: 01998: 219981999: 32000: 32001: 12002: 020022003: 12004: 12005: 42006: 19620062007: 12008: 02009: 32010: 320102011: 1652012: 12013: 72014: 220142015: 02016: 22017: 52018: 120182019: 02020: 02021: 32022: 320222023: 1196

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

1978: $3,04019781979: $17,7641980: $961981: $8,6521982: $019821983: $4711984: $01985: $01986: $2,40619861987: $01988: $01989: $01990: $019901991: $01992: $01993: $8,8741994: $019941995: $01996: $12,4861997: $01998: $5,38619981999: $3,2472000: $4,6042001: $02002: $020022003: $1,5342004: $10,6222005: $32,9792006: $6.1 million20062007: $6,1132008: $02009: $4,3712010: $1,45720102011: $2.5 million2012: $02013: $92,5852014: $020142015: $02016: $02017: $52,4522018: $020182019: $02020: $02021: $8,0922022: $020222023: $61,317$6.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Lee148
Flooding15
Hurricane Irene13
Torrential rain4
March 2010 Nor'easter2
Not a named storm1
Hurricane Floyd1
Late summer storms1

ZIP codes with the most claims

ZIP code (as reported)Claims
13849178
13820112
1382530
1343930
1215518
1332611
137967
133376
121166
138346

304 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $8.0 million, contents $996,736, increased cost of compliance $55,472.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,04318717.9%
All homes27,3832560.9%

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.