Flood Claims Map

New York

Flood insurance claims in Ulster County, New York

FEMA records 1,279 National Flood Insurance Program claims in Ulster County, New York, since 1978, with $30.2 million paid in total. The year with the most claims was 2011, with 483. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 26.4% of homes in the high-risk flood zone did.

NFIP claims on record1,279
Total paid$30.2 million
Claims with a payment1,016
Homes with NFIP policy1.3%
High-risk zone homes insured26.4%
Residential policies in force897

Claims by year of loss

1978: 419781979: 61980: 441981: 61982: 519821983: 51984: 271985: 11986: 319861987: 701988: 01989: 21990: 019901991: 11992: 41993: 21994: 219941995: 71996: 671997: 11998: 319981999: 72000: 92001: 02002: 020022003: 72004: 12005: 1852006: 6320062007: 932008: 102009: 72010: 4320102011: 4832012: 542013: 72014: 420142015: 52016: 22017: 12018: 420182019: 32020: 22021: 72022: 620222023: 52024: 62025: 12026: 42026483

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

1978: $1,05019781979: $8571980: $102,5391981: $2,2381982: $2,73719821983: $9881984: $45,5861985: $1,5751986: $6,04319861987: $512,6811988: $01989: $01990: $019901991: $01992: $56,4551993: $19,3611994: $7,73919941995: $35,1051996: $425,1921997: $01998: $3,40019981999: $11,0002000: $34,4952001: $02002: $020022003: $53,0802004: $13,7902005: $5.6 million2006: $879,75020062007: $1.4 million2008: $117,1532009: $22,7552010: $426,20420102011: $17.0 million2012: $2.3 million2013: $48,0712014: $1,09020142015: $1,6152016: $02017: $2,0932018: $76,06220182019: $12,4182020: $4,1712021: $18,0272022: $130,68620222023: $12,4132024: $797,5432025: $28,6792026: $17,3382026$17.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Irene422
Torrential rain176
Flooding161
April 2007 Nor'easter86
Hurricane Sandy45
Tropical Storm Lee32
Hurricane Floyd6
Not a named storm5

ZIP codes with the most claims

ZIP code (as reported)Claims
12401285
12477113
12464112
1256188
1245779
1244667
1249851
1252848
1242839
1244335

785 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $26.0 million, contents $3.8 million, increased cost of compliance $417,458.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,19757926.4%
All homes71,0248971.3%

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.