Flood history · Southold, NY 11971
Flood insurance claims in Southold, NY 11971
346 claims since 1978 and $3.8 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 11971 since 1978.
What the record says
About 34% of claims here were on properties rated outside high-risk zones (zones X, B or C). A lower-risk zone on the map is not a guarantee.
Losses are spread across many events; the largest, Hurricane Sandy, accounts for 27% of claims.
11 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Sandy | 2012 | 93 | 27% |
| December Storm - Nor'easter | 1992 | 48 | 14% |
| March 2010 Nor'easter | 2010 | 32 | 9% |
| The "Halloween" Storm | 1991 | 25 | 7% |
| Unnamed flooding | 1984 | 24 | 7% |
| Torrential rain | 2005 | 20 | 6% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Suffolk County
Flood, hurricane and storm declarations since 2000.
17 flood, storm or hurricane declarations for Suffolk County since 2000.
Check a specific address in Southold.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
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.