Schoharie County, NY Flood Risk: 708 FEMA Claims
Schoharie County has 708 historical NFIP claims. Among 17 ZIP codes with claim records, 76% have an A- or V-family dominant rated zone recorded in those claims. This is not current property-map coverage.
76% A/V-family among 17 claim-record ZIPs · 708 FEMA claims · Updated
Data: FEMA National Flood Insurance Program (NFIP), FEMA Hazard Mitigation Last verified:
What are FEMA flood zones?
FEMA classifies properties by flood risk, but the NFIP claims dataset used here is not a complete current map inventory. Among 17 ZIP codes with historical claim records in Schoharie County, 76% have an A- or V-family dominant rated zone recorded in those claims. Check a specific address on FEMA's Flood Map Service Center.
How are flood insurance claims calculated?
The National Flood Insurance Program dataset records insurance claims and reported building, contents, and ICC payment components. Schoharie County has 708 recorded claims. A claim is an insurance record, not a one-to-one count of flood events or a current property-level risk classification.
Concerned about flood risk in Schoharie County?
Check your property's flood zone and insurance options.
Check FEMA Flood Insurance →Flood Risk Overview
Among 17 ZIP codes with NFIP claim records in Schoharie County, 76% have an A- or V-family dominant recorded rated zone in those historical claims. This is claims evidence, not a complete current FEMA property-map inventory. Schoharie County has 708 FEMA flood insurance claims. Reported building, contents, and ICC payment components sum to $32,552,310 across 637 claims with payment data.
Among claims with payment data, the average reported component sum is $51,103. 71 claims lack payment fields and are not treated as zero.
Cities with Most FEMA Claims
| Rank | City | FEMA Claims | Reported Payment-Component Sum | ZIPs | Population |
|---|---|---|---|---|---|
| 1 | Middleburgh | 292 | $10.0M | 1 | 3,555 |
| 2 | Schoharie | 152 | $13.7M | 1 | 4,444 |
| 3 | Esperance | 103 | $4.9M | 1 | 1,830 |
| 4 | Cobleskill | 33 | $196K | 1 | 7,883 |
| 5 | Albany | 27 | $234K | 1 | 25,912 |
| 6 | Howes Cave | 22 | $980K | 1 | 1,423 |
| 7 | Sharon Springs | 2 | $1K | 1 | 2,034 |
Historical Claim Records per Capita
Schoharie County has 12.5 historical NFIP claim records per 1,000 residents. This rate only normalizes recorded claim activity for population size. It does not measure current flood probability, property risk, distinct events, or uninsured losses.
Understanding Current FEMA Map Zones
FEMA classifies areas into flood zones based on the annual probability of flooding:
Zone A / AE — High risk. 1% annual flood chance (100-year floodplain). Flood insurance required for federally-backed mortgages
Zone V / VE — High risk coastal. 1% annual flood chance plus storm wave action
Zone B / X (shaded) — Moderate risk. 0.2% annual flood chance (500-year floodplain)
Zone C / X (unshaded) — Minimal risk. Outside the 500-year floodplain
The most frequent rated-zone value in the county's historical NFIP claim records is AE. It is not the county's dominant current FEMA map zone and cannot determine a property's designation. Check the exact address in FEMA's current map.
Flood Insurance in Schoharie County
Properties in FEMA Special Flood Hazard Areas (Zones A and V) with federally-backed mortgages are required to carry flood insurance. The National Flood Insurance Program (NFIP) offers policies through private insurance agents.
Key facts about flood insurance:
Average NFIP premium: $700-$1,500/year depending on flood zone, building age, and elevation
30-day waiting period for new policies (unless tied to a mortgage closing)
Private flood insurance may offer lower rates or broader coverage than NFIP
Risk Rating 2.0 — FEMA's updated pricing methodology factors in property-specific flood risk
Reducing Flood Risk
Homeowners in Schoharie County can take steps to reduce flood damage and potentially lower insurance premiums:
Elevation certificates — document your home's elevation relative to the Base Flood Elevation (BFE)
Sump pumps and backflow valves — prevent water intrusion from ground and sewer backup
Flood vents — allow water to flow through enclosed areas below BFE
Landscaping and grading — direct water away from foundation
FEMA mitigation grants — funding available for eligible properties through Hazard Mitigation Grant Program
How to Check Your Flood Risk
FEMA Flood Map Service Center — enter your address at msc.fema.gov to see your flood zone
Contact your insurance agent — they can look up your property's flood zone and provide quotes
Local floodplain manager — your county or city government has a designated floodplain administrator
Elevation certificate — a surveyor can document your property's elevation relative to flood levels
Check claim history — ask about previous flood events in the neighborhood
Data Sources
- Flood claims: FEMA National Flood Insurance Program (NFIP)
- Flood zones: FEMA Flood Map Service Center
- Hazard mitigation: FEMA Hazard Mitigation Planning
Source publication schedules vary. See the page source and verification fields for available timing evidence.
Frequently Asked Questions
What do NFIP claim records say about flood zones in Schoharie County?
Among 17 ZIP codes with NFIP claim records, 76% have an A- or V-family dominant recorded rated zone in those historical claims. This claims-only field is not a complete current FEMA property-map inventory. Check a specific address on FEMA's Flood Map Service Center.
What reported NFIP payment data is available for Schoharie County?
Reported building, contents, and ICC payment components sum to $32,552,310 across 637 claims with payment data in Schoharie County. The average reported component sum for those claims is $51,103. 71 claims lack payment fields and are not counted as zero.
Do I need flood insurance in Schoharie County, New York?
Flood insurance is required for properties in FEMA Special Flood Hazard Areas with federally-backed mortgages. The NFIP claims dataset used here cannot determine a property's current designation, so check the address on FEMA's Flood Map Service Center or ask an insurance agent.
How many flood claims have been filed in Schoharie County?
708 FEMA flood insurance claims are recorded in Schoharie County. That is 12.5 claims per 1,000 residents. Claim history documents insurance activity but does not replace a current property-level FEMA map lookup.
How can I check my flood zone in Schoharie County?
Enter your address on the FEMA Flood Map Service Center (msc.fema.gov) to see your exact flood zone designation. Your insurance agent or local floodplain manager can also help determine your flood risk.