Flood Claims Map

New York

Flood insurance claims in Westchester County, New York

FEMA records 12,259 National Flood Insurance Program claims in Westchester County, New York, since 1978, with $272.8 million paid in total. The year with the most claims was 2021, with 1,829. As of 3 August 2026, 3.0% of homes here had an NFIP policy, and 63.9% of homes in the high-risk flood zone did.

NFIP claims on record12,259
Total paid$272.8 million
Claims with a payment9,945
Homes with NFIP policy3.0%
High-risk zone homes insured63.9%
Residential policies in force6,276

Claims by year of loss

1978: 23319781979: 1,1961980: 1,1141981: 831982: 28419821983: 3371984: 7981985: 361986: 3719861987: 371988: 61989: 701990: 8119901991: 451992: 3191993: 211994: 6219941995: 161996: 3481997: 101998: 2619981999: 2622000: 192001: 582002: 2820022003: 172004: 1952005: 812006: 3520062007: 1,3462008: 562009: 302010: 25920102011: 1,3742012: 4632013: 302014: 4620142015: 122016: 82017: 182018: 15020182019: 222020: 122021: 1,8292022: 3120222023: 5882024: 472025: 692026: 1520261,829

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

1978: $820,97619781979: $5.0 million1980: $4.8 million1981: $259,6561982: $745,88219821983: $465,9201984: $3.9 million1985: $69,7981986: $97,01519861987: $310,2001988: $3,0301989: $372,9841990: $398,69519901991: $188,1501992: $6.0 million1993: $46,7371994: $180,66719941995: $48,6141996: $2.6 million1997: $11,7921998: $106,94519981999: $6.0 million2000: $105,6592001: $309,2382002: $336,27820022003: $35,6502004: $2.2 million2005: $927,1672006: $197,25320062007: $41.0 million2008: $414,4412009: $181,9832010: $1.9 million20102011: $34.7 million2012: $27.0 million2013: $201,9332014: $147,74720142015: $69,1602016: $6,7212017: $52,1042018: $2.9 million20182019: $143,1052020: $258,9952021: $106.7 million2022: $384,08820222023: $17.7 million2024: $626,4452025: $1.8 million2026: $76,1212026$106.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Not a named storm1,742
Hurricane Ida1,729
Hurricane Irene1,094
April 2007 Nor'easter1,023
Flooding775
Late-September New York Flooding483
Hurricane Sandy438
December Storm - Nor'easter290

ZIP codes with the most claims

ZIP code (as reported)Claims
105432,217
105801,996
10538865
10528853
10583714
10804500
10523499
10708444
10573396
10502253

6,520 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $221.3 million, contents $51.5 million, increased cost of compliance $60,000.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,6572,33563.9%
All homes206,6056,2763.0%

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.