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Greene County, NY flood insurance claims history

587 National Flood Insurance Program claims have been filed for flood losses in Greene County since 1978, and FEMA has paid out $19.1M on them. The worst year was 2011 with 235 claims. Greene County ranks #24 of 62 in New York by claim count.

At a glance

  • 31% of claims came from buildings outside FEMA’s high-risk flood zones (B, C or X), where lenders usually do not require flood insurance.
  • 38% of all claims trace to a single event — Hurricane Irene (2011), which paid $12.6M here.
  • Flood claims were filed in 9 of the last 10 years — flooding here is a regular event, not a once-in-a-generation one.
  • More flood claims than 62% of the 62 New York counties with any claims on file — and more than 3 of its 6 neighbors.
  • ZIP 12414 has the most claims in the county (131, 22%). Check your ZIP →
NFIP claims
587
1978 – 2026
Total paid
$19.1M
nominal dollars, not inflation-adjusted
Claims paid
80%
470 received a payment
Average payout
$41K
per paid claim
Last 10 years
31
claims 2017 – 2026
Most recent loss
2026-07-30
data as of 2026-09-07

Look up your ZIP code

Pick your ZIP code to see how many insured buildings there filed flood claims, in which years, and how much was paid. Narrow by year or flood zone too. Everything runs in your browser — nothing you pick is sent anywhere.

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Flood claims by year

Peak: 235 claims in 2011
 
 
'80
 
 
 
 
'85
 
 
 
 
'90
 
 
 
 
'95
 
 
 
 
'00
 
 
 
 
'05
 
 
 
 
'10
 
 
 
 
'15
 
 
 
 
'20
 
 
 
 
'25
 

Claims by year of loss, 1978–2026. Spikes line up with named storms and major rain events; quiet years still see claims from local flash flooding.

Biggest flood events in Greene County

Flood event (FEMA name)ClaimsPaidAvg / claimYear
Hurricane Irene225$12.6M$56K2011
Flooding (FEMA general label)48$626K$13K1996
Hurricane Sandy28$1.2M$43K2012
Flooding (FEMA general label)24$108K$5K1980
Torrential rain (FEMA general label)21$233K$11K2005
Flooding (FEMA general label)20$91K$5K1987
Hurricane Floyd18$296K$16K1999
April 2007 Nor'easter8$90K$11K2007
Flooding (FEMA general label)4$2K$6181981
December Nor'easter3$135K$45K2023
Late summer storms3$124K$41K2011
Flooding (FEMA general label)2$0$01984

69% of claims here fall under these 12 entries. “FEMA general label” groups many separate floods under one name; the rest of the claims have no event name.

Claims by flood zone

Not sure what the zone letters mean? Flood zones explained →

High-risk A zones: 350 (60%)Coastal high-risk V zones: 0 (0%)Moderate / low-risk zones (B, C, X): 157 (27%)Zone not recorded: 80 (14%)
Flood zone at ratingClaimsPaidAvg / claim
High-risk A zones (A, AE, AH, AO, A1–A30, AR)350$13.7M$39K
Moderate / low-risk zones (B, C, X)157$5.0M$32K
Zone not recorded80$382K$5K

What caused the flooding

Cause of damage (as coded by FEMA)ClaimsShare
Stream, river or lake overflow24642%
Accumulation of rainfall or snowmelt23440%
Tidal water overflow (storm surge)7012%
Other causes305%
Not recorded61%
Alluvial fan overflow10%

Flood claims by ZIP code in Greene County

37 ZIP codes in Greene County have at least one NFIP claim. ZIP codes can cross county lines; this table counts only claims FEMA assigned to Greene County.

12414131$6.1M22%272026
1246895$4.6M16%132012
1249644$2.7M7%82026
1245139$987K7%152026
1245237$944K6%102026
1244236$247K6%152026
1201526$862K4%82018
1241325$308K4%112020
1248520$270K3%112020
1245017$123K3%122020
1205116$288K3%72026
1242411$194K2%52012
1240710$179K2%52012
124449$59K2%32011
124827$404K1%42011
124367$119K1%52011
124927$56K1%42011
124636$67K1%42021
124606$176K1%22017
124395$88K1%12011
124544$126K1%22011
121244$29K1%32012
124733$27K1%22011
124053$13K1%22011
124272$1K0%22012
124162$3K0%21996
124302$51K0%12011
121922$00%12026
124232$19K0%22011
120582$5K0%22013
1$5730%11980
124771$54K0%11996
120831$12K0%11996
117911$3K0%11996
124221$14K0%12011
124801$3140%11980
124311$56K0%12011

Click a column to sort. Click a ZIP to load it in the lookup above.

When does Greene County flood?

August accounts for the most flood losses (235 claims, 40%). Claims by month of loss:

MonthClaimsShare
January6812%
February71%
March6311%
April7813%
May10%
June122%
July173%
August23540%
September325%
October488%
November71%
December193%

Year-by-year detail

Year of lossClaimsPaid
20269$141K
20241$0
20233$135K
20222$103K
20212$3K
202010$158K
20191$0
20181$78K
20172$0
20134$16K
201231$1.2M
2011235$12.8M
201024$667K
20091$7K
20086$23K
200711$93K
200611$931K
200524$517K
20043$718K
20036$15K
20021$0
20003$203K
199920$307K
19981$0
199653$642K
19959$42K
19934$12K
19921$0
19912$0
19891$10K
198721$102K
19862$643
19852$2K
198419$23K
19833$834
19821$14K
19815$3K
198027$113K
197918$51K
19787$4K

Neighboring counties

Greene County borders 6 areas we cover. Flood risk does not stop at a county line, so it is worth comparing.

NeighborClaimsPaidOutside high-risk
Greene County (this page)587$19.1M31%
Delaware County1,291$39.6M19%
Ulster County1,279$30.2M32%
Schoharie County666$31.4M19%
Rensselaer County475$5.8M18%
Albany County377$4.7M42%
Columbia County245$3.1M30%

All 62 New York counties → · County and ZIP rankings →

Common questions about flooding in Greene County

Has Greene County flooded recently?
Yes — the most recent flood loss with an insurance claim on file was on 2026-07-30, and claims were filed in 9 of the last 10 years (31 claims from 2017 to 2026). FEMA’s data runs to 2026-09-07, so the newest events may not appear yet.
Do I need flood insurance in a low-risk zone here?
Lenders generally require it only in high-risk A and V zones. But 31% of Greene County’s claims came from moderate- and low-risk zones. Whether to buy coverage is your call — see flood zones explained and check your address on the FEMA Flood Map Service Center.
Can I see whether a specific house has flooded?
Not here. FEMA removes addresses before publishing, so these figures describe areas, never a property. Our guide how to check if a house has flooded lists the questions and records that can tell you about a specific home.
Why might the real number of floods be higher?
Only buildings with National Flood Insurance can file these claims, and most homes are not insured for flood. More on what the counts mean in understanding NFIP claims data.

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About these numbers

Figures are aggregated from FEMA’s OpenFEMA NFIP Redacted Claims dataset (county FIPS 36039, data as of 2026-09-07). They cover only properties that carried National Flood Insurance — most homes do not, and private flood policies are not included — so real flood damage is larger than these counts show. Dollar amounts are as paid, in nominal dollars. Flood zone is the zone used to rate the policy at the time, which may differ from today’s map. FEMA states this dataset is not an official federal report. Use it for background, not for a purchase, insurance or legal decision; for a specific property ask the seller for its flood disclosure or the owner’s NFIP loss history.

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