Flood Claims Map

New York

Flood insurance claims in Suffolk County, New York

FEMA records 33,936 National Flood Insurance Program claims in Suffolk County, New York, since 1978, with $1.11 billion paid in total. The year with the most claims was 2012, with 13,307. As of 3 August 2026, 5.4% of homes here had an NFIP policy, and 65.7% of homes in the high-risk flood zone did.

NFIP claims on record33,936
Total paid$1.11 billion
Claims with a payment27,319
Homes with NFIP policy5.4%
High-risk zone homes insured65.7%
Residential policies in force26,160

Claims by year of loss

1978: 39019781979: 6291980: 4751981: 1181982: 26619821983: 2561984: 7051985: 1,3291986: 6819861987: 1131988: 231989: 2191990: 11019901991: 2,3961992: 3,2001993: 8901994: 28019941995: 971996: 5651997: 901998: 23719981999: 532000: 502001: 662002: 5120022003: 892004: 692005: 1,7802006: 9320062007: 2802008: 832009: 1162010: 1,05920102011: 2,2302012: 13,3072013: 702014: 61420142015: 402016: 442017: 1432018: 17120182019: 842020: 512021: 1382022: 7620222023: 1802024: 4942025: 302026: 19202613,307

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

1978: $998,12219781979: $924,3751980: $786,2551981: $146,3241982: $562,99319821983: $838,9171984: $2.2 million1985: $5.2 million1986: $180,86419861987: $966,3641988: $25,1761989: $367,1481990: $465,51319901991: $24.4 million1992: $45.5 million1993: $15.7 million1994: $3.5 million19941995: $3.6 million1996: $6.8 million1997: $445,9241998: $1.7 million19981999: $88,8622000: $235,9852001: $154,2962002: $331,97520022003: $578,6422004: $228,3762005: $19.4 million2006: $627,60920062007: $3.9 million2008: $410,3492009: $938,0112010: $7.0 million20102011: $47.2 million2012: $866.3 million2013: $396,0092014: $7.0 million20142015: $125,8342016: $103,8832017: $2.7 million2018: $2.3 million20182019: $1.2 million2020: $429,2492021: $2.6 million2022: $1.3 million20222023: $9.0 million2024: $24.1 million2025: $619,9892026: $26,8922026$866.3 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Sandy13,168
December Storm - Nor'easter3,157
Hurricane Irene2,151
The "Halloween" Storm2,124
Torrential rain1,468
Flooding1,447
Hurricane Gloria1,283
March 2010 Nor'easter948

ZIP codes with the most claims

ZIP code (as reported)Claims
117574,759
117022,715
117012,338
117062,044
117701,851
119781,773
117951,530
119511,037
117821,009
11772824

25,320 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $978.6 million, contents $121.6 million, increased cost of compliance $14.4 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone21,11913,88365.7%
All homes487,59026,1605.4%

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.