Enter any address in Schoharie County, New York to see its FEMA flood zone
Flood events, including flash floods, have been the most frequent type of severe weather in Schoharie County over the last 30 years, with 102 such events recorded by NOAA. Recent examples include widespread flooding in June 2025 due to stalled frontal boundaries and heavy rainfall, and significant areal and river flooding in December 2023 following an intense coastal storm that brought 2 to 5 inches of rain to the region.
National Flood Insurance Program (NFIP) data indicates that properties in Zone A have experienced the highest number of claims, with an average payout of $45,252 and an average water depth of 17.2 feet. Properties in Zone X also show a notable number of claims, with a higher average payout of $85,469 despite a lower average water depth of 15.0 feet. Homeowners in areas designated as Zone A, as well as those in Zone X and X_Shaded, should pay particular attention to their flood risk.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
26 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Schoharie County, New York has recorded 103 flood-related events since 1996 according to NOAA's Storm Events Database, including 39 flash floods and 63 river or area floods. The county has received 29 federal disaster declarations, 2 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 Winter Storm And Snowstorm | Snowstorm | Mar 14, 2017 |
| Hurricane Sandy | Hurricane | Oct 27, 2012 |
| Remnants Of Tropical Storm Lee | Severe Storm | Sep 7, 2011 |
| Hurricane Irene | Hurricane | Aug 26, 2011 |
| Severe Storms And Flooding | Severe Storm | Mar 13, 2010 |
| Severe Winter Storm | Severe Storm | Dec 11, 2008 |
| Severe Storms And Inland And Coastal Flooding | Severe Storm | Apr 14, 2007 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jun 7, 2025 | 1.00K |
| Flood | Dec 18, 2023 | 5.00K |
| Flood | Dec 18, 2023 | 0.00K |
| Flood | Dec 18, 2023 | 2.00K |
| Flood | Dec 18, 2023 | 25.00K |
| Flood | Jul 7, 2023 | 0.00K |
| Flood | Apr 7, 2022 | 20.00K |
| Flood | Oct 26, 2021 | 0.00K |
| Flash Flood | Jul 11, 2021 | 0.00K |
| Flood | Dec 25, 2020 | 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 ...
Flood — Jul 7, 2023
Scattered to numerous showers and thunderstorms developed amid a warm and humid air mass ahead of an approaching cold front on July 7, 2023. Some storms became severe downing trees and powerlines. Locally heavy rainfall also resulted in some instances of street flooding and flash flooding.
Flood — Apr 7, 2022
A slow moving frontal system produced widespread heavy rainfall and flooding across eastern New York from April 7-8, 2022. Rainfall amounts between 1.50 and 3.00 inches were common, though a few localized areas received upwards of 4.50 inches. Periods of light to moderate rainfall began during the daytime hours on April 7 with the steadiest and heaviest rainfall arriving during the evening hour...
Flood — Oct 26, 2021
A coastal storm brought a prolonged period of moderate rainfall across portions of eastern New York, mainly on Tuesday, October 26, 2021. While the rain was not falling particularly heavily, persistent rainfall rates of 0.25 to 0.50 of an inch an hour occurred for several hours across portions of Ulster, Greene, Schoharie and Schenectady counties. This resulted in rainfall amounts of 2 to 5 inc...
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 Schoharie 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 Schoharie 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.