Flood insurance claims in Erie County, Pennsylvania

FEMA records 512 National Flood Insurance Program claims in Erie County, Pennsylvania, since 1978, with $6.0 million paid in total. The year with the most claims was 1985, with 88. As of 3 August 2026, 0.3% of homes here had an NFIP policy, and 27.4% of homes in the high-risk flood zone did.

NFIP claims on record512

Total paid$6.0 million

Claims with a payment373

Homes with NFIP policy0.3%

High-risk zone homes insured27.4%

Residential policies in force290

Claims by year of loss

NFIP claims by year of loss, Erie County, Pennsylvania

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	26
Hurricane Sandy	4
Hurricane Irene	1
Tropical Storm Ivan	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
16428	147
16505	90
16509	34
16506	34
16415	16
16511	15
16426	15
16417	14
16508	13
16502	10

260 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $4.8 million, contents $1.2 million, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	645	177	27.4%
All homes	87,426	290	0.3%

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

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.