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Rockland County, NY flood insurance claims history

3,480 National Flood Insurance Program claims have been filed for flood losses in Rockland County since 1978, and FEMA has paid out $45.4M on them. The worst year was 2011 with 502 claims. Rockland County ranks #7 of 62 in New York by claim count.

At a glance

  • 48% of claims came from buildings outside FEMA’s high-risk flood zones (B, C or X), where lenders usually do not require flood insurance.
  • 11% of all claims trace to a single event — Hurricane Irene (2011), which paid $14.1M 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 90% of the 62 New York counties with any claims on file — and more than 2 of its 3 neighbors.
  • ZIP 10901 has the most claims in the county (551, 16%). Check your ZIP →
NFIP claims
3,480
1978 – 2026
Total paid
$45.4M
nominal dollars, not inflation-adjusted
Claims paid
76%
2,654 received a payment
Average payout
$17K
per paid claim
Last 10 years
184
claims 2017 – 2026
Most recent loss
2026-08-07
data as of 2026-09-07

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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: 502 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 Rockland County

Flood event (FEMA name)ClaimsPaidAvg / claimYear
Hurricane Irene385$14.1M$37K2011
Hurricane Floyd306$3.6M$12K1999
Not a named storm237$419K$2K1979
Not a named storm171$241K$1K1980
Hurricane Sandy121$10.2M$84K2012
Flooding (FEMA general label)116$268K$2K1980
April 2007 Nor'easter100$2.1M$21K2007
Hurricane Ida96$4.7M$49K2021
December Storm - Nor'easter38$161K$4K1992
Flooding (FEMA general label)37$64K$2K1981
March 2010 Nor'easter34$443K$13K2010
Torrential rain (FEMA general label)28$315K$11K2005

48% 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: 1,311 (38%)Coastal high-risk V zones: 2 (0%)Moderate / low-risk zones (B, C, X): 1,229 (35%)Zone not recorded: 938 (27%)
Flood zone at ratingClaimsPaidAvg / claim
High-risk A zones (A, AE, AH, AO, A1–A30, AR)1,311$26.9M$21K
Coastal high-risk V zones (V, VE, V1–V30)2$171K$85K
Moderate / low-risk zones (B, C, X)1,229$16.6M$14K
Zone not recorded938$1.7M$2K

What caused the flooding

Cause of damage (as coded by FEMA)ClaimsShare
Accumulation of rainfall or snowmelt1,93756%
Tidal water overflow (storm surge)77922%
Stream, river or lake overflow62318%
Other causes1254%
Not recorded120%
Alluvial fan overflow30%

Flood claims by ZIP code in Rockland County

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

10901551$6.9M16%292023
10956522$3.4M15%382025
10977483$2.1M14%342024
10994358$4.9M10%302026
10952249$935K7%282023
10954159$932K5%312022
10960155$4.5M4%342022
10968140$5.1M4%262024
10989110$907K3%232026
10965108$1.1M3%202022
1098398$2.6M3%172023
1098095$3.2M3%202023
1096280$329K2%162021
1097458$595K2%132021
1092353$4.0M2%152015
1097039$426K1%162024
1092038$80K1%112021
1091332$208K1%132022
1097631$1.1M1%102025
29$42K1%71984
1096428$532K1%162021
1093114$1.2M0%82011
1098412$29K0%62011
1099310$266K0%22012
109828$22K0%41981
109276$4K0%22005
109865$100K0%42023
109073$8260%21986
104012$3K0%21983
109881$00%11981
184011$00%11983
104771$2K0%11983
108891$00%11979

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

When does Rockland County flood?

April accounts for the most flood losses (684 claims, 20%). Claims by month of loss:

MonthClaimsShare
January42012%
February903%
March39811%
April68420%
May2357%
June1173%
July1755%
August48114%
September52915%
October2056%
November291%
December1173%

Year-by-year detail

Year of lossClaimsPaid
20265$32K
20252$50K
20245$304K
202328$1.1M
202219$254K
2021106$4.9M
20205$15K
201811$69K
20173$0
20163$0
20154$0
20148$65K
20134$5K
2012129$10.2M
2011502$15.7M
201056$677K
20095$41K
200811$129K
2007119$2.3M
20066$12K
200547$667K
200444$562K
200319$81K
200211$110K
200126$158K
20005$15K
1999323$3.7M
19982$0
19976$17K
199624$165K
199512$47K
199417$51K
199318$85K
199238$161K
19919$58K
199016$63K
198923$65K
19884$509
198718$57K
198652$140K
198511$3K
1984307$809K
1983250$569K
198260$94K
198197$191K
1980358$587K
1979500$881K
1978152$192K

Neighboring counties

Rockland County borders 3 areas we cover. Flood risk does not stop at a county line, so it is worth comparing.

NeighborClaimsPaidOutside high-risk
Rockland County (this page)3,480$45.4M48%
Westchester County12,259$272.8M40%
Orange County2,032$26.8M35%
Putnam County373$5.4M50%

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

Common questions about flooding in Rockland County

Has Rockland County flooded recently?
Yes — the most recent flood loss with an insurance claim on file was on 2026-08-07, and claims were filed in 9 of the last 10 years (184 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 48% of Rockland 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 36087, 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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