Check YOUR Exact Address in Rochester
Rochester, NY Flood Zone Map
Is Rochester in a flood zone? Yes -- about 76% of its mapped area is in a FEMA high-risk flood zone (Special Flood Hazard Area). FEMA NFHL data shows the mapped zone breakdown below. FEMA OpenFEMA NFIP Redacted Claims v3 records 12,173 claims in New York since 2016; 26% of all recorded New York claims are outside high-risk zones (claims data fetched 2026-10-06).
Sources: FEMA NFHL; US Census TIGERweb; FEMA OpenFEMA NFIP Redacted Claims v3.
Data as of Oct 6, 2026 (FEMA OpenFEMA NFIP claims)
Published by checkmyfloodzone.com. Last updated: .
- High risk
- Moderate
- Lower risk
- Not mapped
Flood Zone Breakdown for Rochester
About 76% of the mapped area in Rochester falls within a FEMA Special Flood Hazard Area (high-risk or moderate-risk flood zone). The breakdown by zone:
- AE 52% Zone AE
- VE 14% Zone VE
- A 10% Zone A
- X 24% Zone X
Mapped Waterways Near Rochester
FEMA NFHL mapped zones: A, AE, VE, X; US Census TIGERweb water features: Honeoye Lk, East Branch Allen Crk, Allen Crk.. The FEMA NFHL fixture maps zones A, AE, VE, X within the Rochester, New York area. US Census TIGERweb maps Honeoye Lk, East Branch Allen Crk, Allen Crk in the same extent. These layers describe area-wide patterns; check an exact address for a property-level flood-zone result.
- Honeoye Lk
- East Branch Allen Crk
- Allen Crk
- Densmore Crk
- Hobbie Crk
- Slater Crk
- Round Pond Crk
- Smith Crk
Flood Zone Details for Rochester
| Zone | Risk level | Area | Insurance |
|---|---|---|---|
| AE | High-risk riverine or coastal flood zone with a computed base flood elevation (BFE). About a 1-in-100 chance of flooding each year. | 52% | Flood insurance is typically required for federally backed mortgages. |
| VE | Coastal high-hazard zone with wave action. This is the highest-risk designation -- expect storm surge plus breaking waves. | 14% | Flood insurance is required for federally backed mortgages and is especially important here. |
| A | High-risk flood zone without a detailed BFE study. About a 1-in-100 chance of flooding each year. | 10% | Flood insurance is typically required for federally backed mortgages. |
| X | Lower-risk zone outside the 1% annual chance flood boundary. Flooding is still possible but less likely than in high-risk zones. | 24% | Flood insurance is not required but may still be a smart choice -- nearly one-third of flood claims (29% over 2014-2024) come from lower-risk areas. |