Flood history · New York

Flood insurance claims in New York

173,756 claims and $5.7 billion paid since 1978. Find your ZIP code.

173,756claims since 1978

$5.7 billionpaid to policyholders

353ZIP codes with 50+ claims

Claims by year

Biggest flood events

Event (top events per ZIP)	Year	Claims
Hurricane Sandy	2012	57,142
Hurricane Irene	2011	14,500
December Storm - Nor'easter	1992	8,637
Unnamed flooding	1996	7,688
Not a named storm	1979	5,531
Torrential rain	2005	4,098
The "Halloween" Storm	1991	3,096
Hurricane Ida	2021	3,012

New York ZIP codes by flood claims

ZIP codes with at least 50 claims. Select one for its full history.

ZIP	Place	County	Claims	Paid	Last 10 yrs
11561	Long Beach	Nassau	9,653	$489.4 million	143
11520	Freeport	Nassau	6,598	$253.7 million	438
10306	Staten Island	Richmond	6,440	$141.2 million	142
11758	Massapequa	Nassau	5,389	$295.9 million	52
11757	Lindenhurst	Suffolk	4,759	$165.2 million	180
11572	Oceanside	Nassau	4,458	$260.2 million	171
10305	Staten Island	Richmond	3,604	$69.5 million	78
11558	Island Park	Nassau	3,420	$201.2 million	135
10314	Staten Island	Richmond	2,757	$8.4 million	44
11702	Babylon	Suffolk	2,717	$131.2 million	41
11697	Breezy Point	Queens	2,375	$155.0 million	32
11701	Amityville	Suffolk	2,340	$122.4 million	22
11694	Rockaway Park	Queens	2,319	$156.5 million	80
11691	Far Rockaway	Queens	2,303	$84.1 million	182
11783	Seaford	Nassau	2,243	$86.9 million	37
10543	Mamaroneck	Westchester	2,219	$65.5 million	500
11710	Bellmore	Nassau	2,216	$79.5 million	74
11518	East Rockaway	Nassau	2,206	$89.4 million	109
11510	Baldwin	Nassau	2,126	$91.7 million	100
11566	Merrick	Nassau	2,053	$82.9 million	51
11706	Bay Shore	Suffolk	2,052	$79.0 million	34
10312	Staten Island	Richmond	2,050	$14.4 million	59
11414	Howard Beach	Queens	2,033	$75.8 million	286
10580	Rye	Westchester	1,996	$60.8 million	332
11770	Ocean Beach	Suffolk	1,887	$93.3 million	98
11978	Westhampton Beach	Suffolk	1,775	$48.8 million	98
11235	Brooklyn	Kings	1,667	$103.6 million	81
11692	Arverne	Queens	1,646	$71.2 million	173
11693	Far Rockaway	Queens	1,605	$89.8 million	82
11224	Brooklyn	Kings	1,603	$110.1 million	77
11581	Valley Stream	Nassau	1,603	$36.7 million	131
11795	West Islip	Suffolk	1,533	$62.7 million	18
11709	Bayville	Nassau	1,384	$23.3 million	28
10308	Staten Island	Richmond	1,375	$19.6 million	13
14081	Irving	Chautauqua	1,350	$5.6 million	17
10465	Bronx	Bronx	1,184	$13.7 million	180
11509	Atlantic Beach	Nassau	1,177	$32.5 million	58
11598	Woodmere	Nassau	1,151	$52.8 million	103
11951	Mastic Beach	Suffolk	1,037	$22.7 million	64
11793	Wantagh	Nassau	1,024	$35.7 million	31
11782	Sayville	Suffolk	1,011	$34.8 million	56
13827	Owego	Tioga	917	$38.9 million	3
10538	Larchmont	Westchester	866	$15.6 million	255
10528	Harrison	Westchester	857	$11.2 million	185
11772	Patchogue	Suffolk	824	$26.3 million	58
11726	Copiague	Suffolk	808	$34.9 million	23
11769	Oakdale	Suffolk	806	$38.3 million	39
11968	Southampton	Suffolk	758	$12.4 million	56
10583	Scarsdale	Westchester	714	$10.1 million	223
11229	Brooklyn	Kings	711	$25.2 million	52
11559	Lawrence	Nassau	664	$38.5 million	45
10304	Staten Island	Richmond	654	$2.5 million	9
10302	Staten Island	Richmond	595	$3.7 million	62
13748	Conklin	Broome	586	$27.8 million	19
11516	Cedarhurst	Nassau	563	$29.2 million	43
10901	Suffern	Rockland	551	$6.9 million	14
11946	Hampton Bays	Suffolk	544	$12.0 million	29
13760	Endicott	Broome	543	$19.2 million	12
10956	New City	Rockland	522	$3.4 million	27
11901	Riverhead	Suffolk	510	$9.7 million	5
10804	New Rochelle	Westchester	500	$9.2 million	179
10523	Elmsford	Westchester	499	$12.3 million	57
11768	Northport	Suffolk	493	$11.2 million	20
13850	Vestal	Broome	489	$24.1 million	20
11234	Brooklyn	Kings	486	$10.7 million	59
10977	Spring Valley	Rockland	483	$2.1 million	17
10310	Staten Island	Richmond	482	$2.0 million	11
13492	Whitesboro	Oneida	459	$6.7 million	178
11934	Center Moriches	Suffolk	451	$11.5 million	26
10708	Bronxville	Westchester	444	$18.1 million	115
10301	Staten Island	Richmond	436	$3.8 million	6
11942	East Quogue	Suffolk	407	$11.6 million	9
10573	Port Chester	Westchester	398	$9.2 million	129
10309	Staten Island	Richmond	390	$2.5 million	26
11967	Shirley	Suffolk	390	$3.5 million	21
11963	Sag Harbor	Suffolk	382	$4.2 million	21
11422	Rosedale	Queens	377	$7.3 million	58
11959	Quogue	Suffolk	375	$9.4 million	17
11557	Hewlett	Nassau	369	$21.4 million	38
11751	Islip	Suffolk	367	$14.1 million	14
13838	Sidney	Delaware	366	$16.2 million	2
11096	Inwood	Nassau	360	$19.7 million	22
10994	West Nyack	Rockland	358	$4.9 million	16
10992	Washingtonville	Orange	356	$6.5 million	26
11937	East Hampton	Suffolk	354	$3.2 million	32
11971	Southold	Suffolk	346	$3.8 million	11
10303	Staten Island	Richmond	343	$1.6 million	14
12188	Waterford	Saratoga	335	$5.9 million	2
14221	Buffalo	Erie	335	$1.3 million	1
13790	Johnson City	Broome	330	$22.1 million	6
11569	Point Lookout	Nassau	309	$6.5 million	12
11977	Westhampton	Suffolk	308	$7.7 million	19
12758	Livingston Manor	Sullivan	302	$5.0 million	12
11231	Brooklyn	Kings	297	$22.6 million	61
12122	Middleburgh	Schoharie	292	$9.8 million	3
10950	Monroe	Orange	289	$2.5 million	16
12401	Kingston	Ulster	285	$7.0 million	4
11236	Brooklyn	Kings	267	$4.0 million	52
11743	Huntington	Suffolk	266	$4.3 million	29
11944	Greenport	Suffolk	262	$4.6 million	12
10464	Bronx	Bronx	261	$2.9 million	20
11715	Blue Point	Suffolk	258	$9.1 million	5
11050	Port Washington	Nassau	256	$3.6 million	43
13903	Binghamton	Broome	255	$11.8 million	3
11960	Remsenburg	Suffolk	255	$5.8 million	16
13732	Apalachin	Tioga	254	$13.4 million	6
10502	Ardsley	Westchester	253	$2.3 million	8
10307	Staten Island	Richmond	252	$7.9 million	6
11930	Amagansett	Suffolk	252	$2.9 million	13
10952	Monsey	Rockland	249	$934,797	7
11704	West Babylon	Suffolk	247	$5.6 million	4
11705	Bayport	Suffolk	240	$6.8 million	14
11954	Montauk	Suffolk	240	$2.8 million	23
13815	Norwich	Chenango	228	$3.2 million	8
10703	Yonkers	Westchester	228	$2.4 million	32
11762	Massapequa Park	Nassau	226	$3.1 million	4
13856	Walton	Delaware	225	$8.3 million	1
12771	Port Jervis	Orange	222	$3.9 million	3
13905	Binghamton	Broome	221	$10.6 million	12
10801	New Rochelle	Westchester	220	$4.2 million	66
11952	Mattituck	Suffolk	207	$3.7 million	6
11365	Fresh Meadows	Queens	203	$1.3 million	27
13323	Clinton	Oneida	200	$2.2 million	34
13045	Cortland	Cortland	191	$1.7 million	2
13795	Kirkwood	Broome	188	$6.3 million	7
13849	Unadilla	Otsego	187	$3.3 million	0
11542	Glen Cove	Nassau	187	$3.5 million	22
13357	Ilion	Herkimer	187	$1.4 million	0
14219	Buffalo	Erie	187	$2.8 million	34
11024	Great Neck	Nassau	181	$2.6 million	31
11940	East Moriches	Suffolk	174	$4.4 million	14
10710	Yonkers	Westchester	170	$4.0 million	64
10598	Yorktown Heights	Westchester	168	$1.0 million	23
14136	Silver Creek	Chautauqua	166	$2.0 million	7
12776	Roscoe	Sullivan	165	$4.6 million	4
11719	Brookhaven	Suffolk	163	$3.0 million	7
10954	Nanuet	Rockland	159	$931,680	9
14224	Buffalo	Erie	156	$723,062	6
10960	Nyack	Rockland	155	$4.5 million	6
11970	South Jamesport	Suffolk	154	$2.7 million	1
11787	Smithtown	Suffolk	153	$1.3 million	9
11730	East Islip	Suffolk	152	$3.9 million	6
12157	Schoharie	Schoharie	152	$13.6 million	0
10805	New Rochelle	Westchester	152	$4.1 million	24
11746	Huntington Station	Suffolk	149	$519,037	11
11413	Springfield Gardens	Queens	149	$1.1 million	5
13754	Deposit	Broome	148	$3.3 million	0
10013	New York	New York	148	$12.6 million	25
10803	Pelham	Westchester	144	$2.2 million	69
10514	Chappaqua	Westchester	144	$1.4 million	16
12305	Schenectady	Schenectady	144	$3.6 million	10
11718	Brightwaters	Suffolk	142	$4.3 million	3
10968	Piermont	Rockland	140	$5.1 million	13
11023	Great Neck	Nassau	140	$2.4 million	30
13029	Brewerton	Onondaga	139	$1.1 million	7
11214	Brooklyn	Kings	139	$1.6 million	25
14070	Gowanda	Cattaraugus	139	$2.3 million	2
13421	Oneida	Madison	139	$3.7 million	8
14850	Ithaca	Tompkins	139	$281,933	5
11935	Cutchogue	Suffolk	138	$2.2 million	3
11357	Whitestone	Queens	138	$1.6 million	30
10009	New York	New York	138	$11.3 million	22
12455	Margaretville	Delaware	138	$5.5 million	2
12180	Troy	Rensselaer	138	$1.6 million	7
12912	Au Sable Forks	Clinton	138	$2.7 million	6
11931	Aquebogue	Suffolk	136	$3.1 million	0
11976	Water Mill	Suffolk	134	$4.1 million	11
11932	Bridgehampton	Suffolk	133	$6.4 million	8
12414	Catskill	Greene	133	$6.0 million	7
10701	Yonkers	Westchester	132	$3.8 million	18
10473	Bronx	Bronx	132	$2.1 million	27
14612	Rochester	Monroe	132	$437,420	53
14210	Buffalo	Erie	132	$233,210	3
12533	Hopewell Junction	Dutchess	130	$2.6 million	27
10940	Middletown	Orange	128	$984,532	11
11947	Jamesport	Suffolk	124	$2.0 million	0
10607	White Plains	Westchester	122	$2.5 million	58
13778	Greene	Chenango	121	$3.7 million	1
11939	East Marion	Suffolk	120	$2.2 million	6
10038	New York	New York	119	$17.7 million	13
10011	New York	New York	119	$11.7 million	18
11580	Valley Stream	Nassau	119	$674,253	22
11354	Flushing	Queens	118	$4.0 million	26
13901	Binghamton	Broome	118	$4.1 million	8
13820	Oneonta	Otsego	114	$3.3 million	1
12477	Saugerties	Ulster	114	$2.6 million	13
12464	Phoenicia	Ulster	113	$1.6 million	1
10510	Briarcliff Manor	Westchester	113	$2.6 million	20
11420	South Ozone Park	Queens	113	$468,127	2
13339	Fort Plain	Montgomery	111	$3.6 million	0
11771	Oyster Bay	Nassau	111	$2.4 million	8
10533	Irvington	Westchester	110	$3.4 million	40
10989	Valley Cottage	Rockland	110	$906,610	7
14424	Canandaigua	Ontario	108	$960,278	36
10925	Greenwood Lake	Orange	108	$550,591	5
10965	Pearl River	Rockland	108	$1.1 million	7
13812	Nichols	Tioga	107	$3.0 million	6
12550	Newburgh	Orange	107	$1.1 million	11
12182	Troy	Rensselaer	106	$1.0 million	4
10541	Mahopac	Putnam	105	$379,706	7
11355	Flushing	Queens	105	$1.0 million	19
11222	Brooklyn	Kings	104	$6.0 million	47
11576	Roslyn	Nassau	103	$1.1 million	14
12066	Esperance	Montgomery	103	$4.8 million	0
11962	Sagaponack	Suffolk	102	$4.0 million	5
10530	Hartsdale	Westchester	102	$1.1 million	19
11777	Port Jefferson	Suffolk	101	$5.3 million	29
14468	Hilton	Monroe	101	$1.1 million	48
14063	Fredonia	Chautauqua	100	$808,161	7
10603	White Plains	Westchester	100	$918,617	23
11779	Ronkonkoma	Suffolk	100	$372,585	2
13027	Baldwinsville	Onondaga	100	$1.5 million	11
10029	New York	New York	99	$1.9 million	18
14220	Buffalo	Erie	99	$225,713	1
10983	Tappan	Rockland	98	$2.6 million	22
12468	Prattsville	Greene	98	$4.5 million	0
11215	Brooklyn	Kings	98	$2.0 million	40
14225	Buffalo	Erie	97	$207,077	4
10918	Chester	Orange	96	$1.0 million	6
10605	White Plains	Westchester	96	$715,467	28
11021	Great Neck	Nassau	96	$2.2 million	20
10980	Stony Point	Rockland	95	$3.1 million	7
14006	Angola	Erie	95	$634,077	15
14051	East Amherst	Erie	94	$458,427	12
12524	Fishkill	Dutchess	94	$1.9 million	17
11733	East Setauket	Suffolk	93	$1.6 million	13
10014	New York	New York	92	$16.7 million	9
12748	Jeffersonville	Sullivan	92	$1.3 million	1
14218	Buffalo	Erie	91	$104,824	3
14623	Rochester	Monroe	91	$182,489	2
13755	Downsville	Delaware	91	$1.7 million	1
10549	Mount Kisco	Westchester	91	$2.4 million	20
10924	Goshen	Orange	90	$1.1 million	3
10562	Ossining	Westchester	90	$1.5 million	9
12561	New Paltz	Ulster	88	$2.6 million	0
11948	Laurel	Suffolk	88	$1.4 million	1
11101	Long Island City	Queens	86	$15.5 million	23
14011	Attica	Wyoming	84	$1.5 million	29
14048	Dunkirk	Chautauqua	84	$759,714	9
14075	Hamburg	Erie	84	$576,653	7
11211	Brooklyn	Kings	84	$5.8 million	51
11030	Manhasset	Nassau	82	$670,469	26
12603	Poughkeepsie	Dutchess	81	$914,741	19
12144	Rensselaer	Rensselaer	81	$495,055	15
11209	Brooklyn	Kings	81	$287,634	4
13057	East Syracuse	Onondaga	80	$1.5 million	8
13733	Bainbridge	Chenango	80	$1.4 million	0
10990	Warwick	Orange	80	$443,779	3
11223	Brooklyn	Kings	80	$2.1 million	6
11964	Shelter Island	Suffolk	80	$1.3 million	3
10962	Orangeburg	Rockland	80	$326,535	8
10035	New York	New York	79	$818,270	10
12457	Mount Tremper	Ulster	79	$2.3 million	0
11363	Little Neck	Queens	78	$748,152	11
14770	Portville	Cattaraugus	78	$1.0 million	1
11792	Wading River	Suffolk	77	$893,172	11
14892	Waverly	Tioga	77	$1.1 million	3
10594	Thornwood	Westchester	77	$1.2 million	13
10579	Putnam Valley	Putnam	77	$1.1 million	14
14895	Wellsville	Allegany	76	$155,804	1
12901	Plattsburgh	Clinton	76	$2.0 million	0
12195	West Lebanon	Columbia	75	$885,340	0
11434	Jamaica	Queens	74	$489,714	1
11356	College Point	Queens	74	$4.9 million	26
11788	Hauppauge	Suffolk	72	$197,330	2
14555	Sodus Point	Wayne	72	$891,998	44
11570	Rockville Centre	Nassau	71	$1.2 million	6
10010	New York	New York	70	$5.4 million	1
11957	Orient	Suffolk	70	$736,011	1
11554	East Meadow	Nassau	70	$252,289	6
13904	Binghamton	Broome	70	$3.3 million	10
14226	Buffalo	Erie	70	$180,454	2
13329	Dolgeville	Herkimer	68	$851,664	13
14304	Niagara Falls	Niagara	68	$199,153	12
14870	Painted Post	Steuben	68	$436,452	4
11729	Deer Park	Suffolk	68	$131,635	1
11780	Saint James	Suffolk	67	$883,091	6
10504	Armonk	Westchester	67	$378,056	12
11040	New Hyde Park	Nassau	67	$398,708	6
12446	Kerhonkson	Ulster	67	$2.2 million	0
10567	Cortlandt Manor	Westchester	66	$807,442	3
11560	Locust Valley	Nassau	66	$1.3 million	3
13845	Tioga Center	Tioga	66	$1.4 million	1
13037	Chittenango	Madison	66	$185,025	10
13865	Windsor	Broome	65	$1.1 million	0
11361	Bayside	Queens	65	$276,251	16
13830	Oxford	Chenango	65	$746,598	1
12987	Upper Jay	Essex	65	$1.1 million	0
13066	Fayetteville	Onondaga	65	$255,580	1
11219	Brooklyn	Kings	64	$245,336	2
12302	Schenectady	Schenectady	64	$1.5 million	1
10128	New York	New York	64	$2.3 million	9
14590	Wolcott	Wayne	63	$953,503	57
13032	Canastota	Madison	63	$590,274	22
13030	Bridgeport	Onondaga	63	$265,666	0
11375	Forest Hills	Queens	63	$1.8 million	21
10706	Hastings On Hudson	Westchester	63	$1.6 million	12
12068	Fonda	Montgomery	62	$1.7 million	6
10707	Tuckahoe	Westchester	62	$1.9 million	28
14020	Batavia	Genesee	62	$140,287	2
10570	Pleasantville	Westchester	62	$530,010	12
14027	Brant	Erie	62	$147,323	1
10016	New York	New York	61	$10.0 million	2
12309	Schenectady	Schenectady	61	$384,088	3
11747	Melville	Suffolk	61	$352,462	7
11362	Little Neck	Queens	61	$219,540	7
11358	Flushing	Queens	61	$373,593	24
12601	Poughkeepsie	Dutchess	60	$1.1 million	10
14527	Penn Yan	Yates	60	$481,587	3
14227	Buffalo	Erie	59	$790,289	5
12110	Latham	Albany	59	$1.1 million	2
13101	Mc Graw	Cortland	59	$887,854	2
10516	Cold Spring	Putnam	59	$2.6 million	12
11713	Bellport	Suffolk	58	$909,430	6
10974	Sloatsburg	Rockland	58	$581,727	3
11228	Brooklyn	Kings	58	$176,259	2
14760	Olean	Cattaraugus	58	$514,213	2
11232	Brooklyn	Kings	57	$10.2 million	6
10512	Carmel	Putnam	57	$257,566	7
12553	New Windsor	Orange	57	$731,938	13
11721	Centerport	Suffolk	56	$1.6 million	2
14534	Pittsford	Monroe	56	$317,603	4
12866	Saratoga Springs	Saratoga	55	$305,569	3
10709	Eastchester	Westchester	55	$378,334	5
12919	Champlain	Clinton	55	$327,745	1
13619	Carthage	Jefferson	55	$309,543	2
10705	Yonkers	Westchester	55	$495,914	19
12569	Pleasant Valley	Dutchess	55	$1.4 million	4
12522	Dover Plains	Dutchess	54	$441,273	4
14882	Lansing	Tompkins	54	$461,316	1
14894	Wellsburg	Chemung	54	$1.1 million	4
11364	Oakland Gardens	Queens	53	$558,117	7
10923	Garnerville	Rockland	53	$4.0 million	0
13730	Afton	Chenango	53	$876,153	0
14883	Spencer	Tioga	53	$868,501	18
11803	Plainview	Nassau	53	$117,745	6
12887	Whitehall	Washington	53	$362,176	0
12729	Cuddebackville	Orange	53	$912,197	2
11703	North Babylon	Suffolk	53	$616,377	1
10004	New York	New York	53	$11.9 million	7
10037	New York	New York	52	$1.4 million	10
10021	New York	New York	52	$1.3 million	3
13104	Manlius	Onondaga	52	$261,651	2
13756	East Branch	Delaware	52	$841,940	1
14625	Rochester	Monroe	51	$465,302	0
13783	Hancock	Delaware	51	$823,321	3
12498	Woodstock	Ulster	51	$414,490	5
10930	Highland Mills	Orange	50	$393,356	12
11955	Moriches	Suffolk	50	$953,189	4
10469	Bronx	Bronx	50	$128,046	9
12508	Beacon	Dutchess	50	$494,902	11
10532	Hawthorne	Westchester	50	$1.5 million	17
13224	Syracuse	Onondaga	50	$101,939	5

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Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.