A $12 million jury award wasn’t nearly enough for a Manhattan woman injured in a Midtown steam-pipe explosion — and her greed has cost her dearly.

Instead of padding her winnings, a judge slashed $8 million from 78-year-old Upper East Sider Margot Kane’s award, which she claimed was insufficient, in part because she could not go running anymore.

Now the retired legal secretary must take another big gamble — accept the reduced payout or risk getting nothing in a new trial over the 2007 blast, which injured her leg, according to the Manhattan Supreme Court ruling.

Kane endured multiple surgeries after the blast at 41st Street and Lexington Avenue in July 2007 that had some New Yorkers fearing there had been a terrorist attack.

Part of the reason Kane argued for more money was because she thought, in fact, that she was a terrorism victim after the steam-pipe explosion and deserved more cash for her pain and suffering.

She also griped that she could no longer run, a point the city hammered away at in its argument that the judge should reduce her award, not increase it.

“The argument . . . that unlike some amputees, Ms. Kane will never run on her leg is similarly disingenuous . . . She was never a runner in 71 years, yet counsel suggests that at age 71, Ms. Kane suddenly wanted to become a runner and, thus, she is entitled to compensation for it,” city attorney Jennifer Coyne said in court papers filed in June.

Kane on Monday blamed the ploy on her legal team, telling The Post through her building’s intercom, “I didn’t have any say in it. That was one of the lawyers.”

In a June 2015 filing, Kane’s attorney, Patrick Brophy, said her case “is so much more awful” than that of another woman whose leg was amputated. In the amputee case, the victim won $8.3 million.

Kane’s lawyers, at McMahon Martine & Gallagher, did not return messages.

The judge has yet to determine the breakdown of liability for the steam blast between the city and Con Ed, but Kane already struck a confidential settlement with the utility company in August 2014.

Kane’s attorney, Anthony Martine, ​responded on Tuesday, that his client ​had been willing to settle for less than the $12 million verdict but the city refused to negotiate.

“The fact remains that even in the face of an award by six objective New Yorkers who heard every piece of evidence, the defendants have refused to offer a penny to this 78-year-old woman,” Martine said, nothing that she nearly had her foot and lower leg torn off, endured 20 surgeries, seven months in various hospitals, and a lifetime bacterial infection in her colon.