Binghamton, NY Flood Zone Lookup
Last updated: March 2026
Binghamton sits at the confluence of the Susquehanna and Chenango rivers and was devastated by Tropical Storm Lee in 2011, which caused over $1 billion in damage. Record river levels inundated large portions of the city and surrounding Broome County.
Broome County has recorded 3,099 NFIP flood insurance claims since 1978, totaling $136.9M in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 2
NFIP Policies
1,888
Broome County
Avg. Premium
$1,471/yr
Broome County
FEMA Flood Risk Profile: Broome County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $48.8M
Hurricane Risk
Relatively LowEst. annual loss: $1.3M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: Broome County
Broome County has been included in 11 federal flood-related disaster declarations.
...and 3 earlier declarations since 1970.
These declarations affected communities across Broome County, including Binghamton.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: Broome County
Properties in Broome County have filed 3,099 NFIP flood insurance claims totaling $136.9M in payouts since 1978. The average claim payout is $44K.
Highest-Claim Years
2011
1,416 claims - $91.9M
2006
597 claims - $33.2M
2005
167 claims - $2.6M
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
Flood Insurance Coverage: Broome County
Only roughly 1 in 42 households in Broome County carries NFIP flood insurance (2% of estimated households). With 200 recorded flood events and $801.4M in damage, most flood losses in this county are likely uninsured.
Penetration Rate
2%
roughly 1 in 42 households
Historical Claims Ratio
1 in 1
3,099 claims over 45+ years across 1,888 current policies
Avg. Claim Payout
$44,164
Per claim, county-wide since 1978
Historically, Broome County has averaged 1.6 claims for every active policy (since 1978). This compares cumulative claims against today's policy count and does not predict future claim likelihood.
Coverage data: NFIP policies as of March 2026, claims since 1978 (March 2026), population from FEMA NRI. All figures are county-wide and include Binghamton.
What Your Flood Zone Means in Binghamton
Binghamton faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Binghamton are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $48.8M.
Riverine flood risk in Binghamton is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Binghamton address.
Repetitive Loss Properties: Broome County
Broome County has 436 properties with multiple flood insurance losses, including 44 severe repetitive loss properties. 43 properties have received FEMA mitigation funding. Severe repetitive loss is a subset of multiple loss, not a separate count. Data sourced March 2026.
Multiple Loss
436
2+ claims within 10 years
Severe Repetitive Loss
44
4+ claims or 2 exceeding value
Mitigated
43
Received FEMA mitigation
By Flood Zone
Zone data available for 433 of 436 properties.
Source: OpenFEMA NFIP Multiple Loss Properties. Data sourced March 2026.
Recorded Flood Events: Broome County
NOAA has recorded 200 flood events in Broome County since 1996, causing $801.4M in damage and 7 deaths.
Costliest Events
Events by Type
Source: NOAA Storm Events Database, 1996-2026. Data sourced March 2026.
Flood Mitigation: Broome County
FEMA has funded mitigation for 589 properties in Broome County, investing $20.5M in flood risk reduction. Common mitigation actions include acquisition (buying and demolishing flood-prone structures), elevation (raising buildings above flood level), and safe rooms (wind/storm shelters for tornado and hurricane protection).
By Action Type
Source: OpenFEMA Hazard Mitigation Assistance. Data sourced March 2026.
Binghamton, NY Flood Zone FAQ
What flood zones are in Binghamton, NY?
The most common FEMA flood zones in Binghamton are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Binghamton?
If your Binghamton property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Binghamton?
Enter your Binghamton address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
What type of flooding affects Binghamton?
Binghamton is primarily affected by river and stream overflow during heavy rainfall. The most common FEMA flood zone designations are Zone AE, Zone X. Use the free lookup tool above to check the specific flood zone for any Binghamton address.
Has Binghamton experienced major flooding events?
Broome County, where Binghamton is located, has been part of 11 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Henri in 2021. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Binghamton?
Broome County has recorded 3,099 NFIP flood insurance claims totaling $136.9M in payouts since 1978. The year with the most claims was 2011, with 1,416 claims and $91.9M in payouts. These figures cover all NFIP claims in the county, including Binghamton.
How many flood insurance policies are active in Binghamton?
Broome County currently has 1,888 active NFIP flood insurance policies with an average annual premium of $1,471. The most policies are in Zone X (1,254 policies). These figures cover all active NFIP policies in the county.
How many Binghamton properties have flooded repeatedly?
Broome County has 436 properties with multiple flood losses on record, including 44 severe repetitive loss properties. These are properties that have experienced four or more NFIP claims of $5,000+ or two claims exceeding the building value.
Can my Binghamton property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Binghamton?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Binghamton's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other New York Cities
Understanding Flood Zones
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Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.