Where Flooding Actually Costs Money: Flood Insurance Claims by ZIP Code in NY, NJ, PA & CT
Every flood insurance claim FEMA has published for the 35 counties we serve, from 1978 to August 2026, totaled by ZIP code. Real dollars paid out, not modeled risk.
Look Up Your ZIP Code
See how many flood insurance claims were filed where you live, how much was paid, and how your ZIP ranks against the rest of your state.
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Only ZIP codes with at least 10 claims are listed, so no single property can be identified. Amounts are what the National Flood Insurance Program paid on building, contents and compliance coverage, in the dollars of the year paid.
Enter a ZIP code to see its flood claim history.
Flood Payouts Map
Every listed ZIP code on one map. Big circles are where the most money was paid, mostly along the coast and tidal rivers.
Circle size shows total paid since 1978; darker red means more claims since 2016. Click a circle for details.
Flood Claims by Year
Three storms explain most of the money: Irene (2011), Sandy (2012) and Ida (2021). Quiet years still produce hundreds of claims from nor'easters and summer downpours.
Bars: number of claims per year of loss (1990–2026). Claims for 2025–2026 are still being filed and will rise.
Top ZIP Codes by Total Flood Payouts
Ranked by total paid since 1978. Switch to "Claims since 2016" to see where claims keep happening outside the big hurricanes.
| # | ZIP | Town | Claims | Paid |
|---|---|---|---|---|
| 1 | Long Beach, NY | 9,650 | $497.8M | |
| 2 | Beach Haven, NJ | 14,169 | $433.9M | |
| 3 | Massapequa, NY | 5,389 | $298.4M | |
| 4 | Toms River, NJ | 4,905 | $295.7M | |
| 5 | Manahawkin, NJ | 4,648 | $270.2M | |
| 6 | Lavallette, NJ | 4,428 | $263.8M | |
| 7 | Oceanside, NY | 4,455 | $260.9M | |
| 8 | Freeport, NY | 6,596 | $255.2M | |
| 9 | Little Egg Harbor Twp, NJ | 5,368 | $250.3M | |
| 10 | Point Pleasant Boro, NJ | 4,079 | $239.9M | |
| 11 | Seaside Heights, NJ | 2,777 | $215.2M | |
| 12 | Island Park, NY | 3,417 | $203.4M | |
| 13 | Lindenhurst, NY | 4,759 | $169.0M | |
| 14 | Brick, NJ | 2,491 | $166.0M | |
| 15 | Breezy Point, NY | 2,374 | $160.7M | |
| 16 | Mantoloking, NJ | 1,329 | $159.9M | |
| 17 | Rockaway Park, NY | 2,312 | $156.7M | |
| 18 | Sea Bright, NJ | 2,928 | $150.9M | |
| 19 | Staten Island, NY | 6,439 | $144.4M | |
| 20 | Babylon, NY | 2,716 | $134.5M | |
| 21 | Amityville, NY | 2,339 | $124.4M | |
| 22 | Wayne, NJ | 6,424 | $123.7M | |
| 23 | Atlantic City, NJ | 5,940 | $120.9M | |
| 24 | Brooklyn, NY | 1,602 | $110.5M | |
| 25 | Monmouth Beach, NJ | 1,661 | $108.3M |
Flood Claims by State
Counties We Serve, Ranked
Total flood insurance paid per county, 1978–2026. Open a county for its full risk report.
The Storms Behind the Claims
Named flood events by total paid in these counties.
| Event | Claims | Paid |
|---|---|---|
| Hurricane Sandy | 120,854 | $8.17B |
| Hurricane Irene | 28,259 | $789.7M |
| Unnamed storms and local flooding | 63,830 | $516.7M |
| Hurricane Ida | 6,877 | $309.0M |
| December Storm - Nor'easter | 23,517 | $273.9M |
| April 2007 Nor'easter | 6,366 | $148.2M |
| Flooding | 20,783 | $137.5M |
| Tropical Storm Lee | 2,915 | $118.1M |
| Hurricane Floyd | 5,337 | $93.7M |
| March 2010 Nor'easter | 6,260 | $89.2M |
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About This Data
- Sources: OpenFEMA — FIMA NFIP Redacted Claims (as of 2026-09-08); FEMA aid: OpenFEMA — Housing Assistance Program Data: Owners (as of 2026-10-25). Public, redacted data published by FEMA.
- What it counts: claims under the National Flood Insurance Program only. Uninsured flood damage and private flood policies are not included, so real losses are higher.
- ZIP codes: as reported on the claim. Town names come from FEMA's housing-assistance data for the same ZIP. ZIP codes with fewer than 10 claims are not shown individually. Each ZIP is assigned to the county that holds the majority of its claims.
- Dollars: nominal (not adjusted for inflation). Recent years are incomplete because claims can be filed and paid months after a flood.
- Journalists and researchers: you are welcome to cite this page: "Advanced DRI analysis of FEMA NFIP claims data, 2026", https://advanceddri.com/risk-report/flood-insurance-claims.
