Flood Claims Map

Pennsylvania

Flood insurance claims in Luzerne County, Pennsylvania

FEMA records 4,147 National Flood Insurance Program claims in Luzerne County, Pennsylvania, since 1978, with $93.9 million paid in total. The year with the most claims was 2011, with 899. As of 3 August 2026, 3.3% of homes here had an NFIP policy, and 52.7% of homes in the high-risk flood zone did.

NFIP claims on record4,147
Total paid$93.9 million
Claims with a payment3,398
Homes with NFIP policy3.3%
High-risk zone homes insured52.7%
Residential policies in force3,881

Claims by year of loss

1978: 10119781979: 4251980: 491981: 441982: 1119821983: 1601984: 711985: 411986: 1919861987: 81988: 21989: 81990: 719901991: 01992: 21993: 1001994: 1019941995: 21996: 7441997: 11998: 419981999: 242000: 142001: 02002: 820022003: 422004: 5392005: 1252006: 54120062007: 52008: 52009: 22010: 220102011: 8992012: 12013: 112014: 320142015: 02016: 42017: 152018: 1820182019: 52020: 62021: 482022: 320222023: 102024: 32025: 42026: 12026899

NFIP claims by year of loss, Luzerne County, Pennsylvania

1978: $88,70819781979: $706,9161980: $27,3761981: $37,7161982: $4,02819821983: $278,2221984: $71,3571985: $33,2701986: $26,77419861987: $26,8561988: $01989: $3,4431990: $4,88919901991: $01992: $01993: $281,6151994: $9,29819941995: $01996: $7.0 million1997: $01998: $1,07819981999: $39,8512000: $7,7842001: $02002: $205,79420022003: $114,4472004: $9.7 million2005: $529,8152006: $8.5 million20062007: $106,7902008: $28,1122009: $5,4782010: $020102011: $63.0 million2012: $02013: $45,2572014: $020142015: $02016: $450,0002017: $519,2362018: $220,65520182019: $37,5032020: $17,0752021: $573,0412022: $8,53420222023: $510,3742024: $357,7672025: $6,4432026: $321,0152026$63.0 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Tropical Storm Lee776
Flooding758
Tropical Storm Ivan530
Not a named storm74
Hurricane Ida44
Hurricane Gloria34
Torrential rain23
Hurricane Irene23

ZIP codes with the most claims

ZIP code (as reported)Claims
18702758
18643618
18655566
18704407
18634336
18640267
18651154
18706138
18621112
18705106

2,045 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $74.2 million, contents $18.7 million, increased cost of compliance $1.0 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,6701,40752.7%
All homes118,4143,8813.3%

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

  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.