Flood Claims Map

Pennsylvania

Flood insurance claims in Montgomery County, Pennsylvania

FEMA records 6,200 National Flood Insurance Program claims in Montgomery County, Pennsylvania, since 1978, with $185.3 million paid in total. The year with the most claims was 2011, with 811. As of 3 August 2026, 0.9% of homes here had an NFIP policy, and 46.9% of homes in the high-risk flood zone did.

NFIP claims on record6,200
Total paid$185.3 million
Claims with a payment5,081
Homes with NFIP policy0.9%
High-risk zone homes insured46.9%
Residential policies in force2,284

Claims by year of loss

1978: 11719781979: 3941980: 371981: 51982: 7019821983: 881984: 2191985: 381986: 919861987: 141988: 161989: 621990: 919901991: 281992: 111993: 1351994: 5719941995: 131996: 4581997: 31998: 719981999: 5532000: 302001: 4142002: 820022003: 732004: 3352005: 1322006: 24320062007: 582008: 112009: 2322010: 15020102011: 8112012: 252013: 172014: 16920142015: 122016: 72017: 112018: 6620182019: 932020: 2582021: 6342022: 620222023: 272024: 182025: 42026: 132026811

NFIP claims by year of loss, Montgomery County, Pennsylvania

1978: $332,58019781979: $2.4 million1980: $256,9401981: $1,3371982: $525,74719821983: $385,2241984: $1.6 million1985: $154,7751986: $7,24319861987: $67,4881988: $57,1981989: $608,9981990: $25,75419901991: $198,1271992: $22,9081993: $1.4 million1994: $459,03019941995: $43,1161996: $8.3 million1997: $21,2711998: $17,57819981999: $23.7 million2000: $112,3422001: $22.1 million2002: $6,84020022003: $435,1162004: $7.0 million2005: $2.1 million2006: $6.3 million20062007: $646,7692008: $40,2972009: $6.5 million2010: $2.2 million20102011: $25.4 million2012: $64,7392013: $146,7822014: $3.4 million20142015: $334,5242016: $8,3432017: $25,8192018: $2.1 million20182019: $2.8 million2020: $9.8 million2021: $52.6 million2022: $16,92320222023: $346,9782024: $194,6682025: $97,9852026: $38,9782026$52.6 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Ida598
Hurricane Floyd489
Hurricane Irene424
Tropical Storm Allison399
Tropical Storm Lee342
Not a named storm302
Hurricane Isaias237
Flooding227

ZIP codes with the most claims

ZIP code (as reported)Claims
19403810
19002388
19040345
19426330
19006288
19034281
19460270
19464244
19428237
19473193

3,822 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $144.0 million, contents $40.9 million, increased cost of compliance $520,303.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone2,4071,13046.9%
All homes262,6522,2840.9%

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.