Flood insurance claims in New York by county
FEMA records 174,558 NFIP claims in New York's counties, with $5.74 billion paid. As of 3 August 2026, 118,000 NFIP residential policies were in force, equal to 2.5% of the state's residential structures.
| Nassau County | 51,523 | $2.28 billion | 9.6% |
| Suffolk County | 33,936 | $1.11 billion | 5.4% |
| Richmond County | 19,422 | $282.2 million | 4.4% |
| Queens County | 14,948 | $707.5 million | 3.7% |
| Westchester County | 12,259 | $272.8 million | 3.0% |
| Kings County | 6,319 | $329.9 million | 2.9% |
| Rockland County | 3,480 | $45.4 million | 1.3% |
| Broome County | 3,103 | $138.3 million | 1.8% |
| Erie County | 2,483 | $12.8 million | 0.4% |
| Orange County | 2,032 | $26.8 million | 0.9% |
| Bronx County | 1,945 | $27.4 million | 2.3% |
| Chautauqua County | 1,803 | $10.0 million | 0.6% |
| Tioga County | 1,558 | $61.3 million | 2.6% |
| New York County | 1,498 | $120.8 million | 1.5% |
| Delaware County | 1,291 | $39.6 million | 1.9% |
| Ulster County | 1,279 | $30.2 million | 1.3% |
| Oneida County | 1,069 | $16.2 million | 0.6% |
| Onondaga County | 970 | $8.6 million | 0.7% |
| Sullivan County | 945 | $16.2 million | 0.7% |
| Monroe County | 828 | $5.0 million | 0.4% |
| Dutchess County | 765 | $14.0 million | 1.2% |
| Schoharie County | 666 | $31.4 million | 1.6% |
| Chenango County | 632 | $11.4 million | 1.4% |
| Greene County | 587 | $19.1 million | 1.1% |
| Saratoga County | 581 | $8.1 million | 0.6% |
| Cattaraugus County | 493 | $5.1 million | 1.0% |
| Rensselaer County | 475 | $5.8 million | 1.1% |
| Otsego County | 463 | $9.0 million | 0.9% |
| Herkimer County | 422 | $6.1 million | 1.1% |
| Albany County | 377 | $4.7 million | 0.6% |
| Steuben County | 375 | $2.1 million | 1.1% |
| Putnam County | 373 | $5.4 million | 0.6% |
| Essex County | 369 | $6.3 million | 0.7% |
| Cortland County | 358 | $3.4 million | 1.3% |
| Schenectady County | 357 | $8.3 million | 0.4% |
| Madison County | 313 | $4.7 million | 1.1% |
| Chemung County | 304 | $2.6 million | 1.3% |
| Clinton County | 296 | $5.2 million | 0.5% |
| Tompkins County | 290 | $1.9 million | 1.2% |
| Montgomery County | 288 | $8.9 million | 0.8% |
| Cayuga County | 265 | $1.5 million | 0.9% |
| Ontario County | 263 | $3.8 million | 0.7% |
| Jefferson County | 250 | $2.4 million | 0.6% |
| Columbia County | 245 | $3.1 million | 0.6% |
| Oswego County | 221 | $2.5 million | 0.5% |
| Wayne County | 209 | $2.5 million | 0.4% |
| Allegany County | 193 | $714,840 | 0.9% |
| Niagara County | 184 | $825,609 | 0.6% |
| Yates County | 149 | $1.1 million | 1.5% |
| Genesee County | 137 | $1.9 million | 1.0% |
| Washington County | 136 | $1.4 million | 0.4% |
| Fulton County | 116 | $873,738 | 0.3% |
| Warren County | 116 | $1.8 million | 0.4% |
| Wyoming County | 113 | $974,839 | 0.5% |
| Seneca County | 108 | $977,123 | 0.9% |
| Livingston County | 101 | $664,589 | 0.8% |
| St. Lawrence County | 95 | $1.7 million | 0.3% |
| Franklin County | 40 | $178,511 | 0.4% |
| Orleans County | 39 | $139,411 | 0.3% |
| Lewis County | 38 | $455,559 | 0.4% |
| Hamilton County | 35 | $719,016 | 0.8% |
| Schuyler County | 30 | $409,911 | 0.4% |
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
- FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
- 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.