Flood Help Guide

Nassau County flood history

New York · From FEMA's flood insurance and disaster data · Updated 2026-10-08

51,523NFIP flood claims since 1978
$2.3 billionPaid on those claims
$27,386Average paid claimlast 10 years
9.6%Homes with NFIP flood insurance
4Flood disaster declarationssince 2000

FEMA's National Flood Insurance Program (NFIP) data lists 51,523 flood insurance claims in Nassau County, New York since 1978. The NFIP paid $2.3 billion on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).

The year with the most claims was 2012, with 27,136, mostly from Hurricane Sandy.

In the last ten years (2017–2026) there were 2,117 claims, and the average paid claim was $27,386.

29% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).

About 9.6% of homes in Nassau County, New York had an NFIP flood policy in FEMA's latest count (35,824 of 371,341 residential buildings). In the high-risk flood zones (Special Flood Hazard Areas), it was 76% (27,164 of 35,643).

Since 2000, FEMA has made 4 flood-related disaster declarations covering Nassau County, New York. The most recent was DR-4755-NY (Severe Storm and Flooding), declared January 30, 2024.

NFIP claims by year

NFIP flood claims per year in Nassau County, New York012.5k25k37.5k50k1978: 344 claims, $962,049 paid1979: 673 claims, $1.2 million paid1980: 565 claims, $954,697 paid19801981: 112 claims, $193,769 paid1982: 121 claims, $126,838 paid1983: 217 claims, $306,280 paid1984: 485 claims, $1.1 million paid1985: 1,205 claims, $4.5 million paid1986: 22 claims, $21,916 paid1987: 390 claims, $1.0 million paid1988: 16 claims, $31,882 paid1989: 109 claims, $130,844 paid1990: 57 claims, $308,750 paid19901991: 1,190 claims, $10.8 million paid1992: 3,671 claims, $37.8 million paid1993: 485 claims, $2.2 million paid1994: 46 claims, $181,974 paid1995: 46 claims, $222,679 paid1996: 621 claims, $4.9 million paid1997: 25 claims, $79,362 paid1998: 147 claims, $401,796 paid1999: 116 claims, $518,863 paid2000: 81 claims, $172,612 paid20002001: 39 claims, $133,822 paid2002: 70 claims, $150,229 paid2003: 108 claims, $160,084 paid2004: 47 claims, $113,801 paid2005: 2,115 claims, $13.7 million paid2006: 40 claims, $483,573 paid2007: 276 claims, $2.7 million paid2008: 85 claims, $643,015 paid2009: 64 claims, $579,734 paid2010: 960 claims, $6.5 million paid20102011: 7,257 claims, $134.8 million paid2012: 27,136 claims, $2.0 billion paid2013: 98 claims, $412,972 paid2014: 265 claims, $1.8 million paid2015: 43 claims, $224,742 paid2016: 59 claims, $340,257 paid2017: 47 claims, $401,770 paid2018: 129 claims, $2.5 million paid2019: 52 claims, $819,271 paid2020: 58 claims, $489,896 paid20202021: 289 claims, $5.9 million paid2022: 603 claims, $16.4 million paid2023: 727 claims, $11.6 million paid2024: 175 claims, $3.5 million paid2025: 23 claims, $524,802 paid2026: 14 claims, $21,180 paid
Claims per year of loss. Hover or tap a bar for details.
Show as a table
YearClaimsPaid
202614$21,180
202523$524,802
2024175$3.5 million
2023727$11.6 million
2022603$16.4 million
2021289$5.9 million
202058$489,896
201952$819,271
2018129$2.5 million
201747$401,770
201659$340,257
201543$224,742
2014265$1.8 million
201398$412,972
201227,136$2.0 billion
20117,257$134.8 million
2010960$6.5 million
200964$579,734
200885$643,015
2007276$2.7 million
200640$483,573
20052,115$13.7 million
200447$113,801
2003108$160,084
200270$150,229
200139$133,822
200081$172,612
1999116$518,863
1998147$401,796
199725$79,362
1996621$4.9 million
199546$222,679
199446$181,974
1993485$2.2 million
19923,671$37.8 million
19911,190$10.8 million
199057$308,750
1989109$130,844
198816$31,882
1987390$1.0 million
198622$21,916
19851,205$4.5 million
1984485$1.1 million
1983217$306,280
1982121$126,838
1981112$193,769
1980565$954,697
1979673$1.2 million
1978344$962,049

Named flood events

EventYearClaimsPaid
Hurricane Sandy201226,964$2.0 billion
Hurricane Irene20116,080$126.1 million
December Storm - Nor'easter19923,619$37.7 million
Torrential rain20052,005$12.7 million
Late-September New York Flooding2023663$11.2 million
The "Halloween" Storm19911,144$10.5 million
Late summer storms20111,073$8.2 million
Hurricane Ida2021208$5.6 million

How many homes have flood insurance

FEMA counts 35,824 residential NFIP policies in Nassau County, against 371,341 residential buildings (9.6%). Of the 35,643 residential buildings in high-risk flood zones (Special Flood Hazard Areas), 27,164 have an NFIP policy (76%). Private flood policies aren't in these counts.

Whether you're required to carry flood insurance depends on your flood zone and your mortgage. See do I need flood insurance?

Flood-related disaster declarations

DeclarationDeclaredEventHelp for individuals
DR-4755-NY Jan 30, 2024 Severe Storm and Flooding No
DR-1899-NY Apr 16, 2010 Severe Storms and Flooding No
DR-1869-NY Dec 31, 2009 Severe Storms and Flooding Assoc W Td Ida & Nor'Easter No
DR-1534-NY Aug 3, 2004 Severe Storms and Flooding No

Check your own address

County numbers can't tell you about a single building. Look up your property on FEMA's flood map, then read what your flood zone means. More counties: all of New York.

Where these numbers come from

All figures on this page are calculated from FEMA's public OpenFEMA datasets:

FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.