Flood history · Saratoga Springs, NY 12866
Flood insurance claims in Saratoga Springs, NY 12866
55 claims since 1979 and $305,569 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 12866 since 1978.
What the record says
82% of claims were on properties in high-risk zones and 18% outside them.
Losses are spread across many events; the largest, Hurricane Irene, accounts for 24% of claims.
3 claims were filed in the last 10 years.
The most commonly recorded cause is heavy rain or snowmelt collecting faster than it drains, which can happen far from any river or coast.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Irene | 2011 | 13 | 24% |
| Tropical Storm Lee | 2011 | 8 | 15% |
| Unnamed flooding | 1996 | 4 | 7% |
| April 2007 Nor'easter | 2007 | 3 | 5% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Saratoga County
Flood, hurricane and storm declarations since 2000.
8 flood, storm or hurricane declarations for Saratoga County since 2000.
Check a specific address in Saratoga Springs.
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.