Flood Claims Map

Pennsylvania

Flood insurance claims in Lackawanna County, Pennsylvania

FEMA records 1,369 National Flood Insurance Program claims in Lackawanna County, Pennsylvania, since 1978, with $20.5 million paid in total. The year with the most claims was 1996, with 391. As of 3 August 2026, 1.2% of homes here had an NFIP policy, and 28.7% of homes in the high-risk flood zone did.

NFIP claims on record1,369
Total paid$20.5 million
Claims with a payment1,139
Homes with NFIP policy1.2%
High-risk zone homes insured28.7%
Residential policies in force878

Claims by year of loss

1978: 919781979: 221980: 31981: 41982: 019821983: 131984: 41985: 1201986: 9319861987: 41988: 21989: 41990: 219901991: 31992: 11993: 41994: 319941995: 31996: 3911997: 01998: 219981999: 102000: 02001: 22002: 220022003: 1192004: 2182005: 392006: 14220062007: 32008: 52009: 22010: 1120102011: 162012: 22013: 122014: 120142015: 12016: 72017: 22018: 1320182019: 32020: 02021: 112022: 020222023: 542024: 12025: 52026: 12026391

NFIP claims by year of loss, Lackawanna County, Pennsylvania

1978: $16,94619781979: $26,2651980: $3,9101981: $8601982: $019821983: $47,7611984: $6,2841985: $697,5681986: $188,95119861987: $8,3381988: $01989: $7,1321990: $1,29719901991: $01992: $12,6091993: $15,6941994: $50019941995: $01996: $6.1 million1997: $01998: $019981999: $26,8632000: $02001: $02002: $6,07920022003: $2.3 million2004: $4.4 million2005: $278,6692006: $4.4 million20062007: $15,6612008: $8,2352009: $1,9942010: $53,08620102011: $217,5182012: $02013: $77,2772014: $020142015: $02016: $36,0242017: $23,0962018: $203,27520182019: $25,6662020: $02021: $93,9722022: $020222023: $980,8102024: $13,9372025: $130,9802026: $9,6252026$6.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding463
Tropical Storm Ivan210
Hurricane Gloria118
Tropical Storm Lee7
Not a named storm5
Hurricane Floyd5
December Nor'easter4
Hurricane Ida4

ZIP codes with the most claims

ZIP code (as reported)Claims
18509506
18508257
1844796
1843375
1841174
1840758
1850446
1840341
1850529
1851828

1,018 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $14.7 million, contents $5.8 million, increased cost of compliance $13,350.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,65776328.7%
All homes74,7338781.2%

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.