Enter any address in Chenango County, New York to see its FEMA flood zone
Flash flooding from intense rainfall events is the primary flood hazard in Chenango County. Over the past 30 years, the NOAA Storm Events Database recorded 82 flash flood events and 53 general flood events. For example, on June 22, 2025, a mesoscale convective system brought torrential rainfall, with estimates of 3 to 5 inches in a 6-hour period, leading to widespread flash flooding and small river flooding.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A experienced 345 claims with an average payout of $19,753 and an average water depth of 7.7 feet. Properties in Zone X_UNSHADED had fewer claims (52) but a higher average payout ($31,847) and an average water depth of 8.0 feet. Homeowners in Zone A and Zone X_UNSHADED, as well as those in Zone X, should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
71 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Chenango County, New York has recorded 135 flood-related events since 1996 according to NOAA's Storm Events Database, including 82 flash floods and 53 river or area floods. The county has received 31 federal disaster declarations, 5 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1972–2024)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Remnants Of Tropical Storm Debby | Tropical Storm | Aug 8, 2024 |
| Hurricane Henri | Hurricane | Aug 21, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Severe Storms, Straight-line Winds, And Flooding | Severe Storm | Oct 31, 2019 |
| Severe Storms And Flooding | Flood | Aug 13, 2018 |
| Severe Winter Storm And Snowstorm | Snowstorm | Mar 14, 2017 |
| Severe Storms And Flooding | Flood | Jun 26, 2013 |
| Hurricane Sandy | Hurricane | Oct 27, 2012 |
| Remnants Of Tropical Storm Lee | Severe Storm | Sep 7, 2011 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flash Flood | Jun 22, 2025 | 5.00K |
| Flood | Jun 22, 2025 | 200.00K |
| Flash Flood | Jun 22, 2025 | 250.00K |
| Flash Flood | Jun 22, 2025 | 300.00K |
| Flash Flood | Jun 22, 2025 | 15.00K |
| Flash Flood | Jun 22, 2025 | 20.00K |
| Flash Flood | Jun 5, 2025 | 2.00K |
| Flash Flood | Jul 10, 2024 | 2.00K |
| Flood | Dec 18, 2023 | 2.00K |
| Flash Flood | Aug 22, 2021 | 15.00K |
Flash Flood — Jun 22, 2025
A mesoscale convective system (MCS) dropped southward across Central NY from eastern Ontario, moving into an environment with plenty of moisture and instability during the early morning hours. Torrential rainfall accompanied these storms and produced widespread flash flooding and small river flooding. Estimates of 3 to 5 inches, with locally higher amounts, fell mostly within a 6-hour period.
Flood — Jun 22, 2025
A mesoscale convective system (MCS) dropped southward across Central NY from eastern Ontario, moving into an environment with plenty of moisture and instability during the early morning hours. Torrential rainfall accompanied these storms and produced widespread flash flooding and small river flooding. Estimates of 3 to 5 inches, with locally higher amounts, fell mostly within a 6-hour period.
Flash Flood — Jun 5, 2025
A cold front and upper-level wave moving across the area triggered scattered showers and thunderstorms during the afternoon and early evening. Thunderstorms produced excessive rainfall rates over Chenango County and contributed to areas of flooding on a few roads.
Flash Flood — Jul 10, 2024
A warm front helped to focus the remnants of tropical cyclone Beryl which brought steady rainfall and embedded thunderstorms to the region. A cold front then brought a second round of thunderstorms in the evening. Thunderstorms with intense rainfall produced narrow bands of 2-4 inches of rain around the area leading to isolated flash flooding.
Flood — Dec 18, 2023
Low pressure moved north along the Atlantic Seaboard spreading steady and heavy rain into central New York during the overnight hours. Rainfall amounts of 2 to 4 inches were observed along with a considerable amount of melting snow into area rivers and streams. Several river gages exceeded posted flood stages with some even exceeding their Moderate flood category levels.
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Chenango County, New York:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Chenango County, New York that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.