St. Lawrence County flood history
New York · From FEMA's flood insurance and disaster data · Updated 2026-10-08
FEMA's National Flood Insurance Program (NFIP) data lists 95 flood insurance claims in St. Lawrence County, New York since 1978. The NFIP paid $1.7 million on them (building, contents and Increased Cost of Compliance payments, in the dollars of the year paid).
The year with the most claims was 2014, with 13.
In the last ten years (2017–2026) there were 18 claims, and the average paid claim was $88,455.
26% of the claims with a recorded flood zone came from buildings outside FEMA's high-risk zones (rated zones B, C and X).
About 0.3% of homes in St. Lawrence County, New York had an NFIP flood policy in FEMA's latest count (109 of 43,533 residential buildings).
Since 2000, FEMA has made 5 flood-related disaster declarations covering St. Lawrence County, New York. The most recent was DR-4825-NY (Remnants of Tropical Storm Debby), declared September 24, 2024.
NFIP claims by year
Show as a table
| Year | Claims | Paid |
|---|---|---|
| 2024 | 8 | $1.1 million |
| 2019 | 2 | $40,660 |
| 2018 | 2 | $18,324 |
| 2017 | 6 | $82,832 |
| 2016 | 1 | $0 |
| 2015 | 1 | $0 |
| 2014 | 13 | $127,675 |
| 2013 | 1 | $0 |
| 2012 | 1 | $0 |
| 2011 | 1 | $0 |
| 2010 | 6 | $9,369 |
| 2008 | 1 | $12,472 |
| 2005 | 1 | $3,561 |
| 2003 | 1 | $5,079 |
| 2000 | 3 | $19,444 |
| 1999 | 2 | $25,798 |
| 1998 | 13 | $76,856 |
| 1996 | 6 | $115,396 |
| 1993 | 3 | $6,363 |
| 1991 | 2 | $433 |
| 1990 | 1 | $713 |
| 1989 | 3 | $852 |
| 1985 | 5 | $17,672 |
| 1984 | 3 | $7,520 |
| 1983 | 4 | $4,528 |
| 1982 | 1 | $2,124 |
| 1981 | 1 | $969 |
| 1979 | 1 | $0 |
| 1978 | 2 | $888 |
Named flood events
| Event | Year | Claims | Paid |
|---|---|---|---|
| Hurricane Debby | 2024 | 7 | $1.1 million |
| Flooding | 1996 | 5 | $115,396 |
| Flooding | 1985 | 4 | $17,172 |
| Flooding | 1981 | 1 | $969 |
| Hurricane Irene | 2011 | 1 | $0 |
How many homes have flood insurance
FEMA counts 109 residential NFIP policies in St. Lawrence County, against 43,533 residential buildings (0.3%). 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
| Declaration | Declared | Event | Help for individuals |
|---|---|---|---|
| DR-4825-NY | Sep 24, 2024 | Remnants of Tropical Storm Debby | No |
| DR-4814-NY | Aug 29, 2024 | Severe Storm, Tornadoes, and Flooding | No |
| DR-4348-NY | Nov 14, 2017 | Flooding | No |
| DR-4204-NY | Dec 22, 2014 | Severe Winter Storm, Snowstorm, and Flooding | 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:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
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.