Flood insurance claims in Mercer County, Pennsylvania

FEMA records 120 National Flood Insurance Program claims in Mercer County, Pennsylvania, since 1978, with $880,001 paid in total. The year with the most claims was 2003, with 16. As of 3 August 2026, 0.1% of homes here had an NFIP policy, and 8.7% of homes in the high-risk flood zone did.

NFIP claims on record120

Total paid$880,001

Claims with a payment88

Homes with NFIP policy0.1%

High-risk zone homes insured8.7%

Residential policies in force62

Claims by year of loss

NFIP claims by year of loss, Mercer County, Pennsylvania

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

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	5
Tropical Storm Ivan	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
16146	34
16125	23
16148	20
16153	17
16127	7
16137	7
16124	4
16311	4
16121	1
16134	1

62 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $653,071, contents $226,930, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	484	42	8.7%
All homes	49,504	62	0.1%

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.