Flood Claims Map

New York

Flood insurance claims in Schenectady County, New York

FEMA records 357 National Flood Insurance Program claims in Schenectady County, New York, since 1978, with $8.3 million paid in total. The year with the most claims was 2011, with 127. As of 3 August 2026, 0.4% of homes here had an NFIP policy, and 39.0% of homes in the high-risk flood zone did.

NFIP claims on record357
Total paid$8.3 million
Claims with a payment298
Homes with NFIP policy0.4%
High-risk zone homes insured39.0%
Residential policies in force196

Claims by year of loss

1978: 519781979: 181980: 191981: 21982: 019821983: 11984: 41985: 01986: 619861987: 51988: 01989: 01990: 019901991: 01992: 01993: 11994: 019941995: 01996: 381997: 01998: 219981999: 32000: 12001: 02002: 020022003: 62004: 32005: 402006: 1620062007: 222008: 122009: 02010: 420102011: 1272012: 12013: 12014: 220142015: 02016: 12017: 02018: 820182019: 22020: 02021: 12022: 020222023: 02024: 02025: 32026: 32026127

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

1978: $1,34719781979: $18,0431980: $7,6711981: $1,4191982: $019821983: $01984: $7,2721985: $01986: $10,33119861987: $3,6161988: $01989: $01990: $019901991: $01992: $01993: $01994: $019941995: $01996: $572,5661997: $01998: $9,90119981999: $18,5842000: $02001: $02002: $020022003: $6,1302004: $67,7902005: $320,6162006: $217,85820062007: $166,4602008: $50,1772009: $02010: $56,08720102011: $6.1 million2012: $02013: $5,7732014: $9,86120142015: $02016: $02017: $02018: $339,70520182019: $9,6022020: $02021: $02022: $020222023: $02024: $02025: $14,9072026: $215,3792026$6.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene120
Flooding57
April 2007 Nor'easter15
Torrential rain9
Tropical Storm Lee6
Hurricane Floyd2
Hurricane Sandy1

ZIP codes with the most claims

ZIP code (as reported)Claims
12305143
1230264
1230961
1215025
1230615
1200813
120667
121375
123045
120093

200 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.1 million, contents $1.2 million, increased cost of compliance $28,264.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone30511939.0%
All homes50,2961960.4%

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.