Flood Claims Map

New York

Flood insurance claims in Rensselaer County, New York

FEMA records 475 National Flood Insurance Program claims in Rensselaer County, New York, since 1978, with $5.8 million paid in total. The year with the most claims was 2011, with 157. As of 3 August 2026, 1.1% of homes here had an NFIP policy.

NFIP claims on record475
Total paid$5.8 million
Claims with a payment328
Homes with NFIP policy1.1%
High-risk zone homes insuredn/a
Residential policies in force571

Claims by year of loss

1978: 219781979: 131980: 41981: 21982: 519821983: 51984: 81985: 01986: 219861987: 21988: 01989: 11990: 019901991: 11992: 11993: 61994: 819941995: 111996: 501997: 11998: 1819981999: 72000: 162001: 12002: 220022003: 32004: 22005: 132006: 420062007: 92008: 282009: 82010: 220102011: 1572012: 72013: 42014: 820142015: 52016: 12017: 122018: 020182019: 52020: 02021: 122022: 120222023: 112024: 12025: 12026: 152026157

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

1978: $019781979: $15,6871980: $3,7081981: $2,6411982: $1,73219821983: $4,1811984: $4,8201985: $01986: $6,64719861987: $1,4551988: $01989: $01990: $019901991: $33,0291992: $01993: $28,7861994: $20,06919941995: $33,7661996: $342,7701997: $01998: $49,50019981999: $6,0392000: $46,8572001: $02002: $59220022003: $25,4902004: $02005: $78,7342006: $15,33120062007: $99,8392008: $337,8392009: $40,0192010: $15,96520102011: $2.7 million2012: $501,0312013: $02014: $2,97620142015: $10,7112016: $02017: $349,1322018: $020182019: $118,7932020: $02021: $638,9132022: $020222023: $135,5042024: $3,0582025: $02026: $111,3442026$2.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene143
Flooding50
Torrential rain7
December Nor'easter7
April 2007 Nor'easter5
Hurricane Floyd5
Late summer storms4
Hurricane Sandy4

ZIP codes with the most claims

ZIP code (as reported)Claims
12180137
12182106
1214481
1203325
1219820
1201816
1209015
1212310
121188
121406

368 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.4 million, contents $381,138, increased cost of compliance $30,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone143481n/a
All homes50,9555711.1%

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.