**NEW YORK FLOOD POTENTIAL LOSS ESTIMATES BY COUNTY**

(Excerpts from the NYS Hazard Mitigation Plan, 2004, pp. 3-46 to 3-48)

**Table 3-26**

Estimating Potential Flood Loss by County

+---------+-------+----------+---------+----+-----+-------+---------+
| **C     | **    |          | **C     | *  |     |       |         |
| ounty** | Using |          | ounty** | *U |     |       |         |
|         | Q3-   |          |         | si |     |       |         |
|         | n     |          |         | ng |     |       |         |
|         | umber |          |         | NF |     |       |         |
|         | and   |          |         | IP |     |       |         |
|         | esti  |          |         | da |     |       |         |
|         | mated |          |         | ta |     |       |         |
|         | value |          |         | -- |     |       |         |
|         | of    |          |         | ca |     |       |         |
|         | r     |          |         | lc |     |       |         |
|         | eside |          |         | ul |     |       |         |
|         | ntial |          |         | at |     |       |         |
|         | struc |          |         | ed |     |       |         |
|         | tures |          |         | e  |     |       |         |
|         | in    |          |         | st |     |       |         |
|         | 100yr |          |         | im |     |       |         |
|         | Fl    |          |         | at |     |       |         |
|         | oodpl |          |         | e- |     |       |         |
|         | ain** |          |         | nu |     |       |         |
|         |       |          |         | mb |     |       |         |
|         |       |          |         | er |     |       |         |
|         |       |          |         | a  |     |       |         |
|         |       |          |         | nd |     |       |         |
|         |       |          |         | e  |     |       |         |
|         |       |          |         | st |     |       |         |
|         |       |          |         | im |     |       |         |
|         |       |          |         | at |     |       |         |
|         |       |          |         | ed |     |       |         |
|         |       |          |         | v  |     |       |         |
|         |       |          |         | al |     |       |         |
|         |       |          |         | ue |     |       |         |
|         |       |          |         | of |     |       |         |
|         |       |          |         | st |     |       |         |
|         |       |          |         | ru |     |       |         |
|         |       |          |         | ct |     |       |         |
|         |       |          |         | ur |     |       |         |
|         |       |          |         | es |     |       |         |
|         |       |          |         | in |     |       |         |
|         |       |          |         | 10 |     |       |         |
|         |       |          |         | 0y |     |       |         |
|         |       |          |         | fl |     |       |         |
|         |       |          |         | oo |     |       |         |
|         |       |          |         | dp |     |       |         |
|         |       |          |         | la |     |       |         |
|         |       |          |         | in |     |       |         |
|         |       |          |         | ** |     |       |         |
+=========+=======+==========+=========+====+=====+=======+=========+
| **C     | **Q3  | **Ca     | **C     | ** | **C | **M   | **Cal   |
| ounty** | \# in | lculated | ounty** | FE | alc | edian | culated |
|         | fl    | es       |         | MA | ula | Sale  | est     |
|         | oodpl | timate** |         | ** | ted | Price | imate** |
|         | ain** |          |         |    | N   | \*\   |         |
|         |       | **\$     |         | ** | FIP | *\*** | **\$    |
|         |       | V        |         | NF | \   |       | Va      |
|         |       | alue\*** |         | IP | #** |       | lue\*** |
|         |       |          |         | \# |     |       |         |
|         |       |          |         | ** |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Nassau  | 2     | 8,611    | Nassau  | 16 | 53, | \$36  | 19,591, |
|         | 3,592 | ,080,000 |         | ,1 | 676 | 5,000 | 740,000 |
|         |       |          |         | 03 |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Suffolk | 2     | 7,703    | Suffolk | 18 | 60, | \$28  | 17,280, |
|         | 7,029 | ,265,000 |         | ,1 | 633 | 5,000 | 405,000 |
|         |       |          |         | 90 |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Queens  | 1     | 3,368    | New     | 10 | \   | \$28  | 9,933,  |
|         | 0,132 | ,890,000 | York    | ,2 | *\* | 8,000 | 370,000 |
|         |       |          | C       | 76 | 34, |       |         |
|         |       |          | ity\*\* |    | 253 |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| West    | 5,785 | 3,034    | West    | 1  | 6,  | \$52  | 3,253,  |
| chester |       | ,232,500 | chester | ,7 | 203 | 4,500 | 473,500 |
|         |       |          |         | 90 |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| R       | 7,065 | 2,034    | Erie    | 2  | 9,  | \$8   | 872,    |
| ichmond |       | ,720,000 |         | ,4 | 816 | 8,850 | 151,600 |
|         |       |          |         | 95 |     |       |         |
| (Staten |       |          |         |    |     |       |         |
| Island) |       |          |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Orange  | 5824  | 1,455    | R       | 5  | 1   | \$36  | 647,    |
|         |       | ,708,800 | ockland | 36 | 786 | 2,500 | 425,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Erie    | 13419 | 1,192    | Monroe  | 14 | 4   | \$11  | 552,    |
|         |       | ,278,150 |         | 68 | 893 | 3,000 | 909,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Kings   | 4309  | 1,169    | Orange  | 6  | 2   | \$24  | 532,    |
| B       |       | ,893,500 |         | 39 | 130 | 9,950 | 393,500 |
| rooklyn |       |          |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| R       | 3144  | 1,139    | O       | 11 | 3   | \$9   | 346,    |
| ockland |       | ,700,000 | nondaga | 55 | 850 | 0,000 | 500,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Monroe  | 7949  | 898      | D       | 3  | 1   | \$26  | 336,    |
|         |       | ,237,000 | utchess | 81 | 270 | 5,000 | 550,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| D       | 3388  | 897      | Ren     | 6  | 2   | \$11  | 271,    |
| utchess |       | ,820,000 | sselaer | 96 | 320 | 7,075 | 614,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| O       | 6325  | 569      | S       | 4  | 1   | \$16  | 267,    |
| nondaga |       | ,250,000 | aratoga | 81 | 603 | 7,000 | 701,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Albany  | 4183  | 551      | Ulster  | 4  | 1   | \$15  | 233,    |
|         |       | ,319,400 |         | 48 | 493 | 6,500 | 654,500 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Ulster  | 2818  | 441      | Albany  | 4  | 1   | \$13  | 178,    |
|         |       | ,017,000 |         | 06 | 353 | 1,800 | 325,400 |
+---------+-------+----------+---------+----+-----+-------+---------+
| S       | 2116  | 353      | Tioga   | 4  | 1   | \$10  | 163,    |
| aratoga |       | ,372,000 |         | 61 | 536 | 3,750 | 968,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Ren     | 2846  | 333      | Niagara | 6  | 2   | \$6   | 146,    |
| sselaer |       | ,195,450 |         | 32 | 106 | 9,750 | 893,500 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Oswego  | 4116  | 288      | Madison | 4  | 1   | \$7   | 113,    |
|         |       | ,243,480 |         | 25 | 416 | 9,900 | 138,400 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Ontario | 2445  | 244      | Genesee | 3  | 1   | \$8   | 111,    |
|         |       | ,500,000 |         | 81 | 270 | 7,500 | 125,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| H       | 1737  | 243      | D       | 5  | 1   | \$6   | 107,    |
| erkimer |       | ,180,000 | elaware | 37 | 790 | 0,000 | 400,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| C       | 1482  | 228      | Broome  | 4  | 1   | \$7   | 102,    |
| olumbia |       | ,228,000 |         | 28 | 426 | 1,900 | 529,400 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Niagara | 3203  | 223      | Putnam  | 83 | 276 | \$34  | 95,     |
|         |       | ,409,250 |         |    |     | 7,000 | 772,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| T       | 1856  | 214      | Oneida  | 4  | 1   | \$6   | 95,     |
| ompkins |       | ,368,000 |         | 18 | 393 | 8,250 | 072,250 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Oneida  | 3017  | 205      | Steuben | 4  | 1   | \$6   | 92,     |
|         |       | ,910,250 |         | 54 | 513 | 1,100 | 444,300 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Broome  | 2664  | 191      | C       | 4  | 1   | \$6   | 92,     |
|         |       | ,541,600 | ortland | 17 | 390 | 6,250 | 087,500 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Chemung | 2683  | 182      | S       | 2  | 900 | \$9   | 89,     |
|         |       | ,444,000 | ullivan | 70 |     | 9,500 | 550,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Je      | 2747  | 178      | Cha     | 4  | 1   | \$6   | 88,     |
| fferson |       | ,555,000 | utauqua | 09 | 363 | 4,775 | 288,325 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Tioga   | 1666  | 177      | Chemung | 3  | 1   | \$6   | 87,     |
|         |       | ,845,500 |         | 88 | 293 | 8,000 | 924,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| S       | 1770  | 176      | Greene  | 2  | 730 | \$11  | 83,     |
| ullivan |       | ,115,000 |         | 19 |     | 5,000 | 950,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Cayuga  | 2023  | 155      | Essex   | 1  | 360 | \$22  | 81,     |
|         |       | ,265,250 |         | 08 |     | 7,000 | 720,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Steuben | 2539  | 155      | Ontario | 2  | 776 | \$10  | 77,     |
|         |       | ,132,900 |         | 33 |     | 0,000 | 600,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Madison | 1917  | 153      | Catt    | 4  | 1   | \$5   | 75,     |
|         |       | ,168,300 | araugus | 27 | 423 | 3,000 | 419,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Genesee | 1581  | 138      | A       | 2  | 986 | \$6   | 61,     |
|         |       | ,337,500 | llegany | 96 |     | 2,250 | 378,500 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Cha     | 2124  | 137      | T       | 1  | 530 | \$11  | 61,     |
| utauqua |       | ,582,100 | ompkins | 59 |     | 5,500 | 215,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Catt    | 2552  | 135      | Sc      | 2  | 713 | \$8   | 60,     |
| araugus |       | ,256,000 | hoharie | 14 |     | 5,450 | 925,850 |
+---------+-------+----------+---------+----+-----+-------+---------+
| A       | 1943  | 120      | Warren  | 1  | 423 | \$14  | 60,     |
| llegany |       | ,951,750 |         | 27 |     | 4,000 | 912,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| D       | 1818  | 109      | C       | 3  | 1   | \$5   | 57,     |
| elaware |       | ,080,000 | henango | 18 | 060 | 4,353 | 614,180 |
+---------+-------+----------+---------+----+-----+-------+---------+
| C       | 1876  | 101      | Otsego  | 1  | 626 | \$9   | 56,     |
| henango |       | ,966,228 |         | 88 |     | 0,000 | 340,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Liv     | 928   | 72       | C       | 1  | 363 | \$15  | 55,     |
| ingston |       | ,384,000 | olumbia | 09 |     | 4,000 | 902,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| C       | 1056  | 69       | Cayuga  | 2  | 713 | \$7   | 54,     |
| ortland |       | ,960,000 |         | 14 |     | 6,750 | 722,750 |
+---------+-------+----------+---------+----+-----+-------+---------+
| Wy      | 73    | 5        | Oswego  | 2  | 700 | \$7   | 49,     |
| oming\* |       | ,964,100 |         | 10 |     | 0,030 | 021,000 |
+---------+-------+----------+---------+----+-----+-------+---------+
| F       | Not   | 369,999  | Sche    | 1  | 476 | \$10  | 48,     |
| ulton\* | avai  |          | nectady | 43 |     | 1,000 | 076,000 |
|         | lable |          |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Bronx   | 2183  | Not      | Liv     | 1  | 593 | \$7   | 46,     |
|         |       | a        | ingston | 78 |     | 8,000 | 254,000 |
|         |       | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Cl      | Not   | Not      | Yates   | 1  | 446 | \$8   | 38,     |
| inton\* | avai  | a        |         | 34 |     | 6,000 | 356,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Essex\* | Not   | Not      | Wayne   | 1  | 403 | \$9   | 37,     |
|         | avai  | a        |         | 21 |     | 2,750 | 378,250 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Fra     | Not   | Not      | Wyoming | 1  | 410 | \$8   | 33,     |
| nklin\* | avai  | a        |         | 23 |     | 1,700 | 497,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| G       | Not   | Not      | Je      | 1  | 493 | \$6   | 32,     |
| reene\* | avai  | a        | fferson | 48 |     | 5,000 | 045,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Ham     | Not   | Not      | Clinton | 91 | 303 | \$9   | 29,     |
| ilton\* | avai  | a        |         |    |     | 7,500 | 542,500 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Lewis\* | Not   | Not      | Seneca  | 81 | 270 | \$8   | 22,     |
|         | avai  | a        |         |    |     | 3,000 | 410,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Montg   | Not   | Not      | Was     | 79 | 263 | \$7   | 20,     |
| omery\* | avai  | a        | hington |    |     | 9,310 | 858,530 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| New     | Not   | Not      | Mon     | 74 | 246 | \$7   | 17,     |
| York    | avai  | a        | tgomery |    |     | 0,000 | 220,000 |
| C       | lable | vailable |         |    |     |       |         |
| ity\*\* |       |          |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| NYC     | 920   | Not      | F       | 60 | 200 | \$27  | 14,     |
| Ma      |       | a        | ranklin |    |     | 1,500 | 000,000 |
| nhattan |       | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Or      | Not   | Not      | H       | 2  | 986 | \$1   | 13,     |
| leans\* | avai  | a        | erkimer | 96 |     | 4,000 | 804,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| O       | Not   | Not      | St.     | 71 | 236 | \$5   | 12,     |
| tsego\* | avai  | a        | L       |    |     | 5,000 | 980,000 |
|         | lable | vailable | awrence |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| P       | Not   | Not      | Fulton  | 78 | 260 | \$4   | 10,     |
| utnam\* | avai  | a        |         |    |     | 1,111 | 688,860 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Schene  | Not   | Not      | Orleans | 44 | 146 | \$6   | 9,      |
| ctady\* | avai  | a        |         |    |     | 7,300 | 825,800 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Scho    | Not   | Not      | S       | 26 | 86  | \$10  | 9,      |
| harie\* | avai  | a        | chuyler |    |     | 5,000 | 030,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Sch     | Not   | Not      | Lewis   | 42 | 140 | \$5   | 7,      |
| uyler\* | avai  | a        |         |    |     | 6,000 | 840,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| S       | Not   | Not      | H       | 24 | 80  | \$8   | 6,      |
| eneca\* | avai  | a        | amilton |    |     | 7,000 | 960,000 |
|         | lable | vailable |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| St.     | Not   | Not      | Bronx   | \  | \   |       | Not     |
| Law     | avai  | a        |         | *\ | *\* |       | av      |
| rence\* | lable | vailable |         | *N | Not |       | ailable |
|         |       |          |         | ot | ava |       |         |
|         |       |          |         | a  | ila |       |         |
|         |       |          |         | va | ble |       |         |
|         |       |          |         | il |     |       |         |
|         |       |          |         | ab |     |       |         |
|         |       |          |         | le |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| W       | Not   | Not      | Kings   | \  | \   |       | Not     |
| arren\* | avai  | a        | B       | *\ | *\* |       | av      |
|         | lable | vailable | rooklyn | *N | Not |       | ailable |
|         |       |          |         | ot | ava |       |         |
|         |       |          |         | a  | ila |       |         |
|         |       |          |         | va | ble |       |         |
|         |       |          |         | il |     |       |         |
|         |       |          |         | ab |     |       |         |
|         |       |          |         | le |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Washi   | Not   | Not      | NYC     | \  | \   |       | Not     |
| ngton\* | avai  | a        | Ma      | *\ | *\* |       | av      |
|         | lable | vailable | nhattan | *N | Not |       | ailable |
|         |       |          |         | ot | ava |       |         |
|         |       |          |         | a  | ila |       |         |
|         |       |          |         | va | ble |       |         |
|         |       |          |         | il |     |       |         |
|         |       |          |         | ab |     |       |         |
|         |       |          |         | le |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Wayne\* | Not   | Not      | Queens  | \  | \   |       | Not     |
|         | avai  | a        |         | *\ | *\* |       | av      |
|         | lable | vailable |         | *N | Not |       | ailable |
|         |       |          |         | ot | ava |       |         |
|         |       |          |         | a  | ila |       |         |
|         |       |          |         | va | ble |       |         |
|         |       |          |         | il |     |       |         |
|         |       |          |         | ab |     |       |         |
|         |       |          |         | le |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Yates\* | Not   | Not      | R       | \  | \   |       | Not     |
|         | avai  | a        | ichmond | *\ | *\* |       | av      |
|         | lable | vailable | Staten  | *N | Not |       | ailable |
|         |       |          | Isl.    | ot | ava |       |         |
|         |       |          |         | a  | ila |       |         |
|         |       |          |         | va | ble |       |         |
|         |       |          |         | il |     |       |         |
|         |       |          |         | ab |     |       |         |
|         |       |          |         | le |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+
| Source: |       |          |         |    |     |       |         |
| FEMA    |       |          |         |    |     |       |         |
| NFIP Q3 |       |          |         |    |     |       |         |
| data    |       |          |         |    |     |       |         |
| and     |       |          |         |    |     |       |         |
| \*\*\*  |       |          |         |    |     |       |         |
| 2003    |       |          |         |    |     |       |         |
| New     |       |          |         |    |     |       |         |
| York    |       |          |         |    |     |       |         |
| State   |       |          |         |    |     |       |         |
| Stat    |       |          |         |    |     |       |         |
| istical |       |          |         |    |     |       |         |
| Ye      |       |          |         |    |     |       |         |
| arbook, |       |          |         |    |     |       |         |
| 28^th^  |       |          |         |    |     |       |         |
| Edition |       |          |         |    |     |       |         |
| by the  |       |          |         |    |     |       |         |
| Rock    |       |          |         |    |     |       |         |
| efeller |       |          |         |    |     |       |         |
| In      |       |          |         |    |     |       |         |
| stitute |       |          |         |    |     |       |         |
| of      |       |          |         |    |     |       |         |
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| rnment, |       |          |         |    |     |       |         |
| State   |       |          |         |    |     |       |         |
| Uni     |       |          |         |    |     |       |         |
| versity |       |          |         |    |     |       |         |
| of New  |       |          |         |    |     |       |         |
| York    |       |          |         |    |     |       |         |
| which   |       |          |         |    |     |       |         |
| p       |       |          |         |    |     |       |         |
| rovided |       |          |         |    |     |       |         |
| median  |       |          |         |    |     |       |         |
| sales   |       |          |         |    |     |       |         |
| prices  |       |          |         |    |     |       |         |
| by      |       |          |         |    |     |       |         |
| county  |       |          |         |    |     |       |         |
| for     |       |          |         |    |     |       |         |
| resi    |       |          |         |    |     |       |         |
| dential |       |          |         |    |     |       |         |
| single  |       |          |         |    |     |       |         |
| family  |       |          |         |    |     |       |         |
| homes   |       |          |         |    |     |       |         |
| used to |       |          |         |    |     |       |         |
| ca      |       |          |         |    |     |       |         |
| lculate |       |          |         |    |     |       |         |
| es      |       |          |         |    |     |       |         |
| timated |       |          |         |    |     |       |         |
| value   |       |          |         |    |     |       |         |
| exposed |       |          |         |    |     |       |         |
| pr      |       |          |         |    |     |       |         |
| operty. |       |          |         |    |     |       |         |
| C       |       |          |         |    |     |       |         |
| ounty\* |       |          |         |    |     |       |         |
| in      |       |          |         |    |     |       |         |
| dicates |       |          |         |    |     |       |         |
| Q3 data |       |          |         |    |     |       |         |
| not     |       |          |         |    |     |       |         |
| readily |       |          |         |    |     |       |         |
| ava     |       |          |         |    |     |       |         |
| ilable. |       |          |         |    |     |       |         |
| \*\*    |       |          |         |    |     |       |         |
| New     |       |          |         |    |     |       |         |
| York    |       |          |         |    |     |       |         |
| City    |       |          |         |    |     |       |         |
| NFIP    |       |          |         |    |     |       |         |
| stats   |       |          |         |    |     |       |         |
| include |       |          |         |    |     |       |         |
| 5       |       |          |         |    |     |       |         |
| bo      |       |          |         |    |     |       |         |
| roughs, |       |          |         |    |     |       |         |
| value   |       |          |         |    |     |       |         |
| e       |       |          |         |    |     |       |         |
| stimate |       |          |         |    |     |       |         |
| det     |       |          |         |    |     |       |         |
| ermined |       |          |         |    |     |       |         |
| using   |       |          |         |    |     |       |         |
| average |       |          |         |    |     |       |         |
| of      |       |          |         |    |     |       |         |
| known   |       |          |         |    |     |       |         |
| median  |       |          |         |    |     |       |         |
| sale    |       |          |         |    |     |       |         |
| prices  |       |          |         |    |     |       |         |
| \~290K. |       |          |         |    |     |       |         |
+---------+-------+----------+---------+----+-----+-------+---------+

**Table 3-26** is the result of our flood loss analysis which presents a
gross estimate of potential flood losses by county using readily
available information. We believe our analysis methodology is sound in
that it provides a reasonable estimate of potential flood loss expressed
in terms of total exposure. We certainly acknowledge its limitations for
complete accuracy and that its applicability may not be appropriate
beyond a general indication, especially at the local level. We have
established activities in our mitigation strategy that will advance the
accuracy of the flood risk assessment through future more detailed
analysis using local risk assessment information, better data as it
becomes available and continued application of GIS technology.
Furthermore, it is our position that the State plan addresses issues at
the macro level. Municipalities understand that they should use the
information herein as guide in their detailed and locally specific
analyses.

Our flood loss analysis and estimation methodology involved the
following: **an identification of properties considered vulnerable to
flooding and an estimation of dollar value.** The total number of
at-risk residential structures is presented for analysis two ways:
first, using Q3 floodplain data and applying GIS technology and analysis
and second, through statistical estimation of total structures in the
floodplain using NFIP insurance report data which provides the number of
insured structures in the floodplain. Federal and State NFIP and
floodplain management officials estimate that the overall number of
insured structures in the floodplain represents only 30% of the actual
number of structures in the floodplain. Using this assumption, a simple
calculation was made to estimate total number of structures in the
floodplain. Dollar value of the identified at-risk structures is
estimated using median sales price of existing (residential) single
family homes by county as found in the 2003 New York State Statistical
Reference Almanac. **Table 3-26** presents the two methods of loss
estimate analysis, sorted by dollar value loss from greatest to lowest
loss potential.