Flood Claims Map

New York

Flood insurance claims in Tioga County, New York

FEMA records 1,558 National Flood Insurance Program claims in Tioga County, New York, since 1978, with $61.3 million paid in total. The year with the most claims was 2011, with 716. As of 3 August 2026, 2.6% of homes here had an NFIP policy, and 27.9% of homes in the high-risk flood zone did.

NFIP claims on record1,558
Total paid$61.3 million
Claims with a payment1,402
Homes with NFIP policy2.6%
High-risk zone homes insured27.9%
Residential policies in force556

Claims by year of loss

1978: 119781979: 641980: 01981: 71982: 119821983: 501984: 81985: 01986: 219861987: 11988: 01989: 11990: 319901991: 01992: 01993: 341994: 219941995: 01996: 671997: 01998: 219981999: 12000: 22001: 12002: 120022003: 02004: 232005: 1452006: 35320062007: 12008: 02009: 02010: 220102011: 7162012: 12013: 12014: 020142015: 92016: 02017: 82018: 3720182019: 22020: 42021: 22022: 020222023: 02024: 02025: 6716

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

1978: $15319781979: $144,3271980: $01981: $5,4651982: $71419821983: $157,8831984: $8,8851985: $01986: $9,94219861987: $01988: $01989: $01990: $019901991: $01992: $01993: $94,3381994: $1,90219941995: $01996: $477,4091997: $01998: $9,39319981999: $4,6272000: $6,6712001: $15,9952002: $020022003: $02004: $247,6492005: $2.1 million2006: $10.4 million20062007: $12,6272008: $02009: $02010: $27,30020102011: $46.7 million2012: $02013: $7932014: $020142015: $48,4842016: $02017: $116,6792018: $566,28620182019: $33,4892020: $23,9682021: $23,0672022: $020222023: $02024: $02025: $73,557$46.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Lee681
Torrential rain136
Flooding64
Hurricane Irene11
Tropical Storm Fred1
2025 July NYC Metro Area Flooding1

ZIP codes with the most claims

ZIP code (as reported)Claims
13827890
13732254
13812107
1384564
1488353
1489249
1381134
1374330
1373429
1376018

1,235 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $52.1 million, contents $8.3 million, increased cost of compliance $900,699.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,68947227.9%
All homes21,2035562.6%

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.