Flood Claims Map

New York

Flood insurance claims in Putnam County, New York

FEMA records 373 National Flood Insurance Program claims in Putnam County, New York, since 1978, with $5.4 million paid in total. The year with the most claims was 2011, with 70. As of 3 August 2026, 0.6% of homes here had an NFIP policy, and 63.3% of homes in the high-risk flood zone did.

NFIP claims on record373
Total paid$5.4 million
Claims with a payment252
Homes with NFIP policy0.6%
High-risk zone homes insured63.3%
Residential policies in force222

Claims by year of loss

1978: 1019781979: 431980: 311981: 101982: 1119821983: 61984: 151985: 11986: 119861987: 11988: 11989: 21990: 919901991: 11992: 31993: 11994: 219941995: 31996: 101997: 01998: 019981999: 292000: 02001: 02002: 020022003: 22004: 02005: 92006: 020062007: 182008: 32009: 22010: 520102011: 702012: 192013: 32014: 120142015: 12016: 02017: 12018: 120182019: 02020: 02021: 82022: 020222023: 302024: 62025: 12026: 3202670

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

1978: $71,65819781979: $51,5501980: $104,0551981: $11,3431982: $34,81819821983: $4,3101984: $18,2901985: $01986: $2,02519861987: $01988: $01989: $01990: $19,57319901991: $01992: $65,1421993: $01994: $019941995: $11,9601996: $24,4751997: $01998: $019981999: $117,4512000: $02001: $02002: $020022003: $02004: $02005: $50,3392006: $020062007: $203,5522008: $02009: $11,8922010: $12,03120102011: $1.1 million2012: $2.1 million2013: $6,6852014: $020142015: $02016: $02017: $02018: $14,23220182019: $02020: $02021: $137,4482022: $020222023: $1.1 million2024: $159,3442025: $02026: $15,1862026$2.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene51
Hurricane Floyd29
Flooding26
Not a named storm26
Vermont/New York Flooding25
Hurricane Sandy19
April 2007 Nor'easter18
Hurricane Ida8

ZIP codes with the most claims

ZIP code (as reported)Claims
10541104
1057972
1051659
1051257
1052433
1050926
1256310
125313
105372
105422

126 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.0 million, contents $448,313, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1398863.3%
All homes35,7972220.6%

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.