Flood risk in New York
FEMA NFIP historical claims and active policies aggregated by county. Pick a county to see total paid, average claim amount, and active policy count.
Counties with claims
62
of 63 reporting
Total NFIP claims
49,180
Total claims paid
$2,279,427,342
Active policies
19,397
Highest flood risk counties
Claims per 1,000 housing units. Higher means a larger share of homes have a documented claim on file.
- 1.Nassau County42.54 / 1k
- 2.Tioga County20.33 / 1k
- 3.Suffolk County18.81 / 1k
- 4.Richmond County17.55 / 1k
- 5.Schoharie County13.68 / 1k
- 6.Delaware County10.97 / 1k
- 7.Broome County9.50 / 1k
- 8.Hamilton County9.28 / 1k
- 9.Greene County8.38 / 1k
- 10.Chenango County7.24 / 1k
Lowest flood risk counties
Claims per 1,000 housing units, restricted to counties of at least 25,000 residents.
- 1.Franklin County0.26 / 1k
- 2.Erie County0.28 / 1k
- 3.Lewis County0.28 / 1k
- 4.Monroe County0.41 / 1k
- 5.Allegany County0.42 / 1k
- 6.Niagara County0.48 / 1k
- 7.Onondaga County0.49 / 1k
- 8.St. Lawrence County0.51 / 1k
- 9.Wyoming County0.56 / 1k
- 10.Genesee County0.57 / 1k
Counties by historical claims
Sorted by total claims, highest first. Historical totals do not capture uninsured properties or future climate shifts.
- County19,344 claims · high
- County9,606 claims · high
- County5,408 claims · moderate
- County2,984 claims · high
- County2,509 claims · moderate
- County2,367 claims · moderate
- County773 claims · moderate
- County542 claims · moderate
- County502 claims · low
- County456 claims · moderate
- County456 claims · moderate
- County413 claims · high
- County333 claims · moderate
- County332 claims · moderate
- County206 claims · high
- County205 claims · moderate
- County168 claims · high
- County150 claims · moderate
- County144 claims · moderate
- County141 claims · moderate
- County129 claims · low
- County125 claims · moderate
- County125 claims · moderate
- County115 claims · moderate
- County112 claims · low
- County100 claims · moderate
- County96 claims · moderate
- County95 claims · low
- County86 claims · low
- County78 claims · moderate
- County78 claims · moderate
- County76 claims · moderate
- County73 claims · moderate
- County70 claims · moderate
- County63 claims · moderate
- County60 claims · moderate
- County53 claims · moderate
- County51 claims · moderate
- County44 claims · low
- County41 claims · moderate
- County41 claims · moderate
- County41 claims · moderate
- County36 claims · low
- County36 claims · moderate
- County31 claims · moderate
- County31 claims · low
- County30 claims · low
- County28 claims · low
- County28 claims · low
- County24 claims · low
- County21 claims · low
- County20 claims · low
- County18 claims · low
- County17 claims · moderate
- County16 claims · moderate
- County14 claims · low
- County11 claims · low
- County9 claims · low
- County7 claims · low
- County5 claims · low
- County4 claims · low
- County3 claims · low
- County0 claims · low
How to read this
Historical claims show where NFIP-insured properties have actually filed. They under-count uninsured properties and don't forecast future risk from climate, upstream development, or new mitigation projects. For parcel-specific flood-zone designations, use FEMA's Map Service Center.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.