Flood Insurance in Rockland and Putnam Counties
Standard homeowners and tenants policies don't cover flood, so it takes a separate policy. A flood policy normally takes effect 30 days after you buy it. About 1 in 80 residential buildings in Rockland County and 1 in 160 in Putnam County had a federal flood policy as of August 2026. Call 855-945-1900 to talk it through.
What a standard flood policy covers
Source: DFS, flood insurance.
Flood claims in Rockland and Putnam Counties
| Measure | Rockland | Putnam |
|---|---|---|
| Claims since 1978 | 3,480 | 373 |
| Total paid | $45.3 million | $5.4 million |
| Residential buildings with a federal flood policy | 1.26% | 0.62% |
Federal flood policies only, so private flood coverage isn't counted. Source: FEMA flood insurance claims, as of August and September 2026.
Flood claims by town in Rockland and Putnam Counties
| Town (ZIP) | Claims | Paid | Average paid claim |
|---|---|---|---|
| Suffern (10901) | 551 | $6.88M | $15,097 |
| New City (10956) | 522 | $3.39M | $9,037 |
| Spring Valley (10977) | 483 | $2.06M | $5,519 |
| West Nyack (10994) | 358 | $4.95M | $16,657 |
| Nyack (10960) | 155 | $4.51M | $43,745 |
| Piermont (10968) | 140 | $5.07M | $45,643 |
| Mahopac (10541) | 104 | $0.38M | $5,667 |
| Putnam Valley (10579) | 72 | $1.04M | $20,311 |
| Cold Spring (10516) | 59 | $2.60M | $54,255 |
| Garrison (10524) | 33 | $0.94M | $41,079 |
Numbers cover each ZIP code, which may not match town lines exactly. Source: FEMA flood insurance claims.
Check your flood zone by address
This is informational and isn't an official flood determination.
Flood insurance questions
Do I need flood insurance if I'm not in a high-risk zone?
It's your call. You can buy flood insurance whether or not your property is in a floodplain, and at least 44% of Rockland claims and 51% of Putnam claims since 2011 were rated outside high-risk zones, according to FEMA data.
How soon does a flood policy start?
A policy normally doesn't take effect until 30 days after you buy it.
Does my renters policy cover flood?
No. Flood isn't covered under a basic renters policy.
Have your current flood policy? Send a photo for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.