Flood Claims Map

Pennsylvania

Flood insurance claims in Tioga County, Pennsylvania

FEMA records 234 National Flood Insurance Program claims in Tioga County, Pennsylvania, since 1978, with $3.5 million paid in total. The year with the most claims was 1996, with 50. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 22.1% of homes in the high-risk flood zone did.

NFIP claims on record234
Total paid$3.5 million
Claims with a payment192
Homes with NFIP policy1.3%
High-risk zone homes insured22.1%
Residential policies in force282

Claims by year of loss

1978: 519781979: 151980: 11981: 21982: 219821983: 01984: 71985: 01986: 019861987: 01988: 01989: 11990: 019901991: 01992: 01993: 11994: 2319941995: 01996: 501997: 01998: 019981999: 22000: 02001: 02002: 020022003: 22004: 242005: 02006: 120062007: 12008: 12009: 02010: 420102011: 172012: 02013: 02014: 120142015: 02016: 02017: 02018: 1320182019: 12020: 12021: 192022: 020222023: 02024: 352025: 12026: 4202650

NFIP claims by year of loss, Tioga County, Pennsylvania

1978: $2,64319781979: $9,1651980: $01981: $6,1881982: $3,54819821983: $01984: $8,5641985: $01986: $019861987: $01988: $01989: $01990: $019901991: $01992: $01993: $01994: $114,49519941995: $01996: $493,9851997: $01998: $019981999: $8,9322000: $02001: $02002: $020022003: $2782004: $194,5182005: $02006: $11,75020062007: $32,4722008: $02009: $02010: $107,03620102011: $77,2742012: $02013: $02014: $31320142015: $02016: $02017: $02018: $191,68520182019: $3,7202020: $4,1542021: $406,4142022: $020222023: $02024: $1.7 million2025: $02026: $140,7562026$1.7 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Flooding38
Hurricane Debby34
Tropical Storm Ivan18
Tropical Storm Lee7
Not a named storm3
Tropical Storm Fred2
Hurricane Elsa1

ZIP codes with the most claims

ZIP code (as reported)Claims
1690139
1695035
1692820
1691219
1693319
1692114
1691712
1776511
1694210
169469

138 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $3.1 million, contents $402,618, increased cost of compliance $0.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,12624922.1%
All homes21,0512821.3%

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.