Flood Claims Map

New York

Flood insurance claims in Saratoga County, New York

FEMA records 581 National Flood Insurance Program claims in Saratoga County, New York, since 1978, with $8.1 million paid in total. The year with the most claims was 2011, with 210. As of 3 August 2026, 0.6% of homes here had an NFIP policy.

NFIP claims on record581
Total paid$8.1 million
Claims with a payment462
Homes with NFIP policy0.6%
High-risk zone homes insuredn/a
Residential policies in force518

Claims by year of loss

1978: 219781979: 231980: 111981: 11982: 119821983: 91984: 101985: 01986: 1519861987: 41988: 01989: 11990: 019901991: 01992: 01993: 101994: 119941995: 11996: 931997: 61998: 5719981999: 62000: 182001: 32002: 120022003: 82004: 32005: 222006: 820062007: 102008: 82009: 52010: 320102011: 2102012: 12013: 62014: 320142015: 12016: 32017: 22018: 220182019: 42020: 12021: 02022: 220222023: 32024: 22025: 02026: 12026210

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

1978: $37819781979: $44,5921980: $34,0051981: $2001982: $5,56219821983: $8,8971984: $9,3401985: $01986: $42,92819861987: $5,2411988: $01989: $01990: $019901991: $01992: $01993: $80,5261994: $019941995: $01996: $1.7 million1997: $20,8871998: $350,03619981999: $18,3822000: $220,9752001: $02002: $020022003: $34,6952004: $40,8212005: $148,7532006: $79,26920062007: $101,4152008: $30,3932009: $12,6802010: $11,14820102011: $5.0 million2012: $02013: $28,7012014: $26,12920142015: $02016: $20,7882017: $5,2742018: $020182019: $5,3052020: $49,0122021: $02022: $3,72720222023: $21,3692024: $22,5372025: $02026: $02026$5.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene155
Flooding98
Tropical Storm Lee20
Torrential rain13
April 2007 Nor'easter10
Hurricane Floyd4
Hurricane Debby2
Vermont/New York Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
12188335
1286655
1211841
1206536
1217030
1202023
1287114
128318
128226
120195

423 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $6.6 million, contents $1.4 million, increased cost of compliance $174,500.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone0383n/a
All homes85,4155180.6%

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.