Enter any address in Saratoga County, New York to see its FEMA flood zone
Flash flooding from heavy rainfall is a recurring concern in Saratoga County. Over the past 30 years, NOAA Storm Events data shows 65 flash flood events and 81 flood events, alongside 2 tropical storm events. For instance, in July 2023, widespread showers and thunderstorms brought heavy rainfall, leading to areal flooding in some areas. Similarly, in June 2025, a stalled frontal boundary caused prolonged, moderate to heavy downpours, resulting in widespread poor drainage and urban flooding with inundated roadways.
National Flood Insurance Program (NFIP) claims data indicates that properties in Zone A have experienced the most claims, with an average payout of $14,148 and an average water depth of 4.9 feet. Properties in Zone X_SHADED have also seen significant payouts, averaging $14,593 with an average water depth of 10.9 feet, though with fewer claims. Homeowners in Zone A, Zone X_SHADED, and those located in areas with poor drainage or near waterways should pay particular attention to flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
57 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Saratoga County, New York has recorded 148 flood-related events since 1996 according to NOAA's Storm Events Database, including 65 flash floods and 81 river or area floods. The county has received 20 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1987–2021)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| 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 Winter Storm And Snowstorm | Snowstorm | Mar 14, 2017 |
| Hurricane Sandy | Hurricane | Oct 27, 2012 |
| Hurricane Irene | Hurricane | Aug 26, 2011 |
| Severe Winter Storm | Severe Storm | Dec 11, 2008 |
| Hurricane Katrina Evacuation | Hurricane | Aug 29, 2005 |
| Severe Storms And Flooding | Severe Storm | May 13, 2004 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 7, 2025 | 0.00K |
| Flood | Jun 7, 2025 | 1.00K |
| Flood | Dec 18, 2023 | 2.00K |
| Flash Flood | Jul 16, 2023 | 50.00K |
| Flash Flood | Jul 16, 2023 | 0.00K |
| Flash Flood | Jul 16, 2023 | 5.00K |
| Flood | Jul 16, 2023 | 0.00K |
| Flash Flood | Jul 16, 2023 | 10.00K |
| Flash Flood | Jul 9, 2023 | 30.00K |
| Flood | Jul 9, 2023 | 0.00K |
Flood — Jun 7, 2025
A frontal boundary stalled to the south of the ALY County Warning Area, in tandem with several mid- and upper-level disturbances generated widespread heavy rainfall and scattered thunderstorms across eastern New York on June 6 and 7. Prolonged, moderate to locally heavy downpours lead to widespread poor drainage and urban flooding with numerous roadways and residential roadways becoming inundat...
Flood — Dec 18, 2023
An area of low pressure tracked up the East Coast and intensified in the process as it brought widespread moderate to heavy rainfall across eastern New York on December 18, 2023. Rainfall totals were between 2 and 5 inches with the highest amounts across the eastern Catskills. This rain led to both areal and river flooding across the region. Some rivers didn't recede until December 22.||States ...
Flash Flood — Jul 16, 2023
A couple of rounds of showers and thunderstorms resulted in wind damage and flash flooding over parts of eastern New York on July 16, 2023. One round occurred during the early morning hours which resulted in some downed trees and wires as well as some street flooding and washouts, primarily across the mid-Hudson Valley. The second round moved through during the afternoon leading to some floodin...
Flood — Jul 16, 2023
A couple of rounds of showers and thunderstorms resulted in wind damage and flash flooding over parts of eastern New York on July 16, 2023. One round occurred during the early morning hours which resulted in some downed trees and wires as well as some street flooding and washouts, primarily across the mid-Hudson Valley. The second round moved through during the afternoon leading to some floodin...
Flash Flood — Jul 9, 2023
A strong upper-level system brought widespread rounds of showers and thunderstorms to eastern New York on July 9-11, 2023. The steadiest and heaviest rainfall occurred during the afternoon hours on July 9, the early morning hours on July 10 and during the evening hours on July 10 into the overnight hours on July 11. Rainfall totals varied greatly from region to region but the hardest hit areas ...
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 Saratoga 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 Saratoga 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.