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Saratoga County, NY flood insurance claims history
581 National Flood Insurance Program claims have been filed for flood losses in Saratoga County since 1978, and FEMA has paid out $8.1M on them. The worst year was 2011 with 210 claims. Saratoga County ranks #25 of 62 in New York by claim count.
At a glance
- 21% of claims came from buildings outside FEMA’s high-risk flood zones (B, C or X), where lenders usually do not require flood insurance.
- 27% of all claims trace to a single event — Hurricane Irene (2011), which paid $4.4M here.
- Flood claims were filed in 8 of the last 10 years — flooding here is a regular event, not a once-in-a-generation one.
- More flood claims than 61% of the 62 New York counties with any claims on file — and more than all 8 of its neighbors.
- ZIP 12188 has the most claims in the county (335, 58%). Check your ZIP →
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Flood claims by year
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 Saratoga County
| Flood event (FEMA name) | Claims | Paid | Avg / claim | Year |
|---|---|---|---|---|
| Hurricane Irene | 155 | $4.4M | $28K | 2011 |
| Flooding (FEMA general label) | 84 | $1.6M | $19K | 1996 |
| Tropical Storm Lee | 20 | $209K | $10K | 2011 |
| Torrential rain (FEMA general label) | 13 | $84K | $6K | 2005 |
| April 2007 Nor'easter | 10 | $101K | $10K | 2007 |
| Flooding (FEMA general label) | 9 | $10K | $1K | 1980 |
| Hurricane Floyd | 4 | $0 | $0 | 1999 |
| Flooding (FEMA general label) | 4 | $5K | $1K | 1987 |
| Hurricane Debby | 2 | $23K | $11K | 2024 |
| December Nor'easter | 1 | $5K | $5K | 2023 |
| Vermont/New York Flooding | 1 | $12K | $12K | 2023 |
| Flooding (FEMA general label) | 1 | $201 | $201 | 1981 |
52% 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 →
| Flood zone at rating | Claims | Paid | Avg / claim |
|---|---|---|---|
| High-risk A zones (A, AE, AH, AO, A1–A30, AR) | 423 | $7.1M | $17K |
| Moderate / low-risk zones (B, C, X) | 115 | $907K | $8K |
| Zone not recorded | 43 | $133K | $3K |
What caused the flooding
| Cause of damage (as coded by FEMA) | Claims | Share |
|---|---|---|
| Stream, river or lake overflow | 256 | 44% |
| Accumulation of rainfall or snowmelt | 236 | 41% |
| Tidal water overflow (storm surge) | 46 | 8% |
| Other causes | 41 | 7% |
| Earth movement or landslide | 1 | 0% |
| Not recorded | 1 | 0% |
Flood claims by ZIP code in Saratoga County
21 ZIP codes in Saratoga County have at least one NFIP claim. ZIP codes can cross county lines; this table counts only claims FEMA assigned to Saratoga County.
| 12188 | 335 | $6.1M | 58% | 23 | 2018 |
| 12866 | 55 | $306K | 9% | 23 | 2026 |
| 12118 | 41 | $472K | 7% | 18 | 2023 |
| 12065 | 36 | $479K | 6% | 13 | 2024 |
| 12170 | 30 | $161K | 5% | 14 | 2024 |
| 12020 | 23 | $203K | 4% | 5 | 2022 |
| 12871 | 14 | $67K | 2% | 3 | 2023 |
| 12831 | 8 | $39K | 1% | 5 | 2019 |
| 12822 | 6 | $50K | 1% | 4 | 2011 |
| 5 | $2K | 1% | 3 | 1984 | |
| 12019 | 5 | $37K | 1% | 5 | 2019 |
| 12148 | 4 | $25K | 1% | 4 | 2012 |
| 12828 | 4 | $86K | 1% | 1 | 2011 |
| 12134 | 3 | $7K | 1% | 2 | 1986 |
| 12835 | 3 | $42K | 1% | 3 | 2016 |
| 12859 | 2 | $0 | 0% | 2 | 2008 |
| 12151 | 2 | $600 | 0% | 2 | 2010 |
| 13078 | 2 | $3K | 0% | 2 | 1979 |
| 12850 | 1 | $0 | 0% | 1 | 2016 |
| 12803 | 1 | $497 | 0% | 1 | 1998 |
| 12074 | 1 | $0 | 0% | 1 | 1993 |
Click a column to sort. Click a ZIP to load it in the lookup above.
When does Saratoga County flood?
August accounts for the most flood losses (165 claims, 28%). Claims by month of loss:
| Month | Claims | Share |
|---|---|---|
| January | 151 | 26% |
| February | 25 | 4% |
| March | 61 | 10% |
| April | 81 | 14% |
| May | 13 | 2% |
| June | 18 | 3% |
| July | 18 | 3% |
| August | 165 | 28% |
| September | 30 | 5% |
| October | 4 | 1% |
| November | 0 | 0% |
| December | 15 | 3% |
Year-by-year detail
| Year of loss | Claims | Paid |
|---|---|---|
| 2026 | 1 | $0 |
| 2024 | 2 | $23K |
| 2023 | 3 | $21K |
| 2022 | 2 | $4K |
| 2020 | 1 | $49K |
| 2019 | 4 | $5K |
| 2018 | 2 | $0 |
| 2017 | 2 | $5K |
| 2016 | 3 | $21K |
| 2015 | 1 | $0 |
| 2014 | 3 | $26K |
| 2013 | 6 | $29K |
| 2012 | 1 | $0 |
| 2011 | 210 | $5.0M |
| 2010 | 3 | $11K |
| 2009 | 5 | $13K |
| 2008 | 8 | $30K |
| 2007 | 10 | $101K |
| 2006 | 8 | $79K |
| 2005 | 22 | $149K |
| 2004 | 3 | $41K |
| 2003 | 8 | $35K |
| 2002 | 1 | $0 |
| 2001 | 3 | $0 |
| 2000 | 18 | $221K |
| 1999 | 6 | $18K |
| 1998 | 57 | $350K |
| 1997 | 6 | $21K |
| 1996 | 93 | $1.7M |
| 1995 | 1 | $0 |
| 1994 | 1 | $0 |
| 1993 | 10 | $81K |
| 1989 | 1 | $0 |
| 1987 | 4 | $5K |
| 1986 | 15 | $43K |
| 1984 | 10 | $9K |
| 1983 | 9 | $9K |
| 1982 | 1 | $6K |
| 1981 | 1 | $201 |
| 1980 | 11 | $34K |
| 1979 | 23 | $45K |
| 1978 | 2 | $378 |
Neighboring counties
Saratoga County borders 8 areas we cover. Flood risk does not stop at a county line, so it is worth comparing.
| Neighbor | Claims | Paid | Outside high-risk |
|---|---|---|---|
| Saratoga County (this page) | 581 | $8.1M | 21% |
| Rensselaer County | 475 | $5.8M | 18% |
| Albany County | 377 | $4.7M | 42% |
| Schenectady County | 357 | $8.3M | 37% |
| Montgomery County | 288 | $8.9M | 30% |
| Washington County | 136 | $1.4M | 38% |
| Fulton County | 116 | $874K | 25% |
| Warren County | 116 | $1.8M | 46% |
| Hamilton County | 35 | $719K | 37% |
All 62 New York counties → · County and ZIP rankings →
Common questions about flooding in Saratoga County
- Has Saratoga County flooded recently?
- Yes — the most recent flood loss with an insurance claim on file was on 2026-08-04, and claims were filed in 8 of the last 10 years (17 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 21% of Saratoga 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 36091, 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.