Flood Claims Map

Pennsylvania

Flood insurance claims in Cumberland County, Pennsylvania

FEMA records 1,600 National Flood Insurance Program claims in Cumberland County, Pennsylvania, since 1978, with $16.9 million paid in total. The year with the most claims was 2011, with 274. As of 3 August 2026, 0.7% of homes here had an NFIP policy, and 20.6% of homes in the high-risk flood zone did.

NFIP claims on record1,600
Total paid$16.9 million
Claims with a payment1,203
Homes with NFIP policy0.7%
High-risk zone homes insured20.6%
Residential policies in force555

Claims by year of loss

1978: 2819781979: 2071980: 41981: 91982: 2519821983: 361984: 2341985: 41986: 1019861987: 221988: 11989: 41990: 119901991: 01992: 01993: 481994: 2419941995: 61996: 2631997: 11998: 2919981999: 82000: 52001: 22002: 020022003: 162004: 2082005: 72006: 2620062007: 72008: 32009: 152010: 420102011: 2742012: 42013: 112014: 620142015: 62016: 12017: 22018: 1720182019: 12020: 42021: 32022: 020222023: 02024: 92025: 42026: 12026274

NFIP claims by year of loss, Cumberland County, Pennsylvania

1978: $67,61619781979: $406,4491980: $3091981: $6,7371982: $55,23819821983: $62,1381984: $619,5411985: $13,0071986: $13,17419861987: $11,4851988: $01989: $2,6301990: $019901991: $01992: $01993: $96,0901994: $40,25919941995: $5,0741996: $4.0 million1997: $01998: $40,61419981999: $16,0222000: $6,4902001: $9,7192002: $020022003: $35,3632004: $4.0 million2005: $11,9432006: $354,31520062007: $45,7532008: $7,7232009: $145,8712010: $29,30420102011: $6.0 million2012: $20,0212013: $149,9632014: $92,20820142015: $49,1582016: $02017: $02018: $157,67820182019: $2,5432020: $69,8352021: $22,1382022: $020222023: $02024: $235,1682025: $46,6672026: $02026$6.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding450
Tropical Storm Ivan201
Tropical Storm Lee157
Not a named storm112
Hurricane Irene6
Hurricane Floyd3
Tropical Storm Bill2
Hurricane Debby2

ZIP codes with the most claims

ZIP code (as reported)Claims
17070298
17055257
17011255
17050188
17043155
17025121
1701384
1705348
1701548
1706543

933 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $14.1 million, contents $2.7 million, increased cost of compliance $100,466.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,73535720.6%
All homes80,4155550.7%

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.