Flood Claims Map

Pennsylvania

Flood insurance claims in Adams County, Pennsylvania

FEMA records 400 National Flood Insurance Program claims in Adams County, Pennsylvania, since 1978, with $6.7 million paid in total. The year with the most claims was 2011, with 133. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 25.2% of homes in the high-risk flood zone did.

NFIP claims on record400
Total paid$6.7 million
Claims with a payment310
Homes with NFIP policy0.7%
High-risk zone homes insured25.2%
Residential policies in force266

Claims by year of loss

1978: 919781979: 111980: 11981: 11982: 119821983: 11984: 21985: 81986: 019861987: 21988: 01989: 11990: 419901991: 01992: 21993: 201994: 019941995: 81996: 971997: 01998: 119981999: 02000: 12001: 02002: 120022003: 52004: 52005: 12006: 320062007: 02008: 12009: 12010: 220102011: 1332012: 192013: 152014: 120142015: 22016: 02017: 02018: 720182019: 32020: 12021: 232022: 120222023: 02024: 52025: 02026: 12026133

NFIP claims by year of loss, Adams County, Pennsylvania

1978: $8,87719781979: $6,9621980: $01981: $2101982: $019821983: $2101984: $01985: $19,4471986: $019861987: $01988: $01989: $1,3321990: $3,54819901991: $01992: $7791993: $63,4651994: $019941995: $22,3971996: $2.0 million1997: $01998: $2,50619981999: $02000: $5,2132001: $02002: $020022003: $4,1282004: $117,8072005: $02006: $51,65320062007: $02008: $02009: $02010: $3,26820102011: $3.1 million2012: $267,2452013: $250,3602014: $2,91220142015: $62,7722016: $02017: $02018: $8,29220182019: $100,0002020: $02021: $487,7632022: $4,53220222023: $02024: $126,3372025: $02026: $02026$3.1 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Adams County, Pennsylvania

Named flood events with the most claims

Event (FEMA name)Claims
Flooding55
Tropical Storm Lee29
Hurricane Ida21
Hurricane Sandy17
Not a named storm4
Hurricane Debby2
Tropical Storm Bill2
Tropical Storm Ivan2

ZIP codes with the most claims

ZIP code (as reported)Claims
17316144
1735086
1732583
1732020
1730115
1730711
173535
173315
173044
173034

275 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $5.9 million, contents $672,673, increased cost of compliance $85,439.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone68317225.2%
All homes39,3602660.7%

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.