Flood Claims Map

Pennsylvania

Flood insurance claims in Bedford County, Pennsylvania

FEMA records 1,185 National Flood Insurance Program claims in Bedford County, Pennsylvania, since 1978, with $13.4 million paid in total. The year with the most claims was 1996, with 354. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 11.7% of homes in the high-risk flood zone did.

NFIP claims on record1,185
Total paid$13.4 million
Claims with a payment1,033
Homes with NFIP policy0.9%
High-risk zone homes insured11.7%
Residential policies in force235

Claims by year of loss

1978: 919781979: 371980: 61981: 61982: 319821983: 1681984: 911985: 21986: 119861987: 41988: 11989: 181990: 019901991: 01992: 01993: 1111994: 419941995: 31996: 3541997: 551998: 619981999: 22000: 02001: 22002: 020022003: 242004: 1142005: 22006: 020062007: 02008: 12009: 02010: 2720102011: 52012: 112013: 02014: 1920142015: 12016: 02017: 02018: 3120182019: 02020: 12021: 632022: 020222023: 02024: 22025: 1354

NFIP claims by year of loss, Bedford County, Pennsylvania

1978: $36,23319781979: $47,1961980: $7,7001981: $7,3261982: $1,92319821983: $1.3 million1984: $479,4871985: $01986: $50419861987: $21,5241988: $01989: $21,5241990: $019901991: $01992: $01993: $874,6031994: $3,71019941995: $4,4121996: $4.9 million1997: $422,1301998: $37,77919981999: $02000: $02001: $6,4082002: $020022003: $151,5252004: $2.2 million2005: $12,6702006: $020062007: $02008: $02009: $02010: $354,09220102011: $22,1122012: $84,5492013: $02014: $108,34720142015: $02016: $02017: $02018: $718,38620182019: $02020: $26,5222021: $1.4 million2022: $020222023: $02024: $27,9312025: $5,550$4.9 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding432
Tropical Storm Ivan65
Hurricane Ida62
Not a named storm17
Hurricane Sandy9
March 2010 Nor'easter2
Mid-spring storms1
Tropical Storm Lee1

ZIP codes with the most claims

ZIP code (as reported)Claims
15522493
15545155
15554126
1553793
1665079
1552161
1667829
1590510
1555010
155348

736 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $10.5 million, contents $2.8 million, increased cost of compliance $85,059.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,75120511.7%
All homes25,7342350.9%

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.