Flood insurance claims in McKean County, Pennsylvania

FEMA records 158 National Flood Insurance Program claims in McKean County, Pennsylvania, since 1978, with $1.0 million paid in total. The year with the most claims was 1999, with 42. As of 3 August 2026, 1.1% of homes here had an NFIP policy, and 16.2% of homes in the high-risk flood zone did.

NFIP claims on record158

Total paid$1.0 million

Claims with a payment122

Homes with NFIP policy1.1%

High-risk zone homes insured16.2%

Residential policies in force181

Claims by year of loss

NFIP claims by year of loss, McKean County, Pennsylvania

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	34
Not a named storm	2
Tropical Storm Ivan	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
16701	109
16731	17
16724	7
16738	5
16743	4
16730	3
19372	3
16749	3
18853	1
18553	1

95 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $852,409, contents $149,279, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	931	151	16.2%
All homes	16,989	181	1.1%

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.