Flood history · Esperance, NY 12066
Flood insurance claims in Esperance, NY 12066
103 claims since 1980 and $4.8 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 12066 since 1978.
What the record says
About 31% 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.
One event dominates the record: Unnamed flooding accounts for 41% of all claims in this ZIP code.
No claims were recorded in the last 10 years. Older floods still show what the area can do.
The most commonly recorded cause is rivers, streams or lakes overflowing.
Esperance, Town Of takes part in FEMA's Community Rating System (class 8), which can lower flood insurance premiums by up to 10% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Unnamed flooding | 1987 | 42 | 41% |
| Hurricane Irene | 2011 | 37 | 36% |
| Torrential rain | 2005 | 13 | 13% |
| April 2007 Nor'easter | 2007 | 3 | 3% |
| March 2010 Nor'easter | 2010 | 1 | 1% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Montgomery County
Flood, hurricane and storm declarations since 2000.
16 flood, storm or hurricane declarations for Montgomery County since 2000.
Check a specific address in Esperance.
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.