Flood claims and flood insurance by state
From FEMA's OpenFEMA data · Updated 2026-10-08
Every state's flood insurance history, from FEMA's National Flood Insurance Program (NFIP) records. "Claims outside high-risk zones" is the share of claims (where FEMA recorded the rated zone) from buildings in zones B, C or X. "Typical NFIP cost" is the median yearly cost of an NFIP policy on a single-family home. Open a state for its counties, biggest flood events and disaster declarations.
| State | Claims since 1978 | Paid | Avg. paid claim, last 10 yrs | Homes insured | Typical NFIP cost, single-family home | Claims outside high-risk zones | Flood declarations since 2000 |
|---|---|---|---|---|---|---|---|
| Louisiana | 485,743 | $21.0 billion | $56,717 | 22.0% | $1,090 | 27% | 15 |
| Florida | 448,618 | $19.4 billion | $101,497 | 13.7% | $1,010 | 15% | 16 |
| Texas | 394,204 | $17.4 billion | $103,863 | 5.8% | $1,090 | 51% | 22 |
| New Jersey | 202,340 | $6.5 billion | $46,243 | 5.0% | $1,310 | 10% | 10 |
| New York | 175,430 | $5.7 billion | $37,143 | 2.5% | $1,290 | 30% | 29 |
| North Carolina | 109,593 | $2.3 billion | $50,047 | 2.6% | $1,010 | 19% | 9 |
| Pennsylvania | 77,060 | $1.4 billion | $40,512 | 0.7% | $1,210 | 29% | 15 |
| Mississippi | 64,589 | $3.1 billion | $33,518 | 3.5% | $1,210 | 26% | 29 |
| California | 53,563 | $761.2 million | $51,340 | 1.3% | $1,090 | 36% | 33 |
| Illinois | 52,890 | $596.0 million | $25,505 | 0.5% | $1,140 | 24% | 17 |
| Missouri | 51,304 | $983.7 million | $52,602 | 0.4% | $1,090 | 14% | 41 |
| Virginia | 50,609 | $771.8 million | $27,583 | 2.7% | $810 | 21% | 14 |
| South Carolina | 49,622 | $1.0 billion | $41,440 | 6.1% | $940 | 18% | 9 |
| Alabama | 44,896 | $1.2 billion | $42,728 | 1.3% | $1,210 | 21% | 16 |
| Massachusetts | 35,375 | $441.4 million | $31,903 | 2.0% | $1,410 | 24% | 12 |
| Connecticut | 29,492 | $554.7 million | $34,684 | 2.1% | $1,590 | 23% | 7 |
| Ohio | 28,417 | $372.6 million | $29,927 | 0.4% | $910 | 27% | 18 |
| West Virginia | 27,998 | $386.7 million | $31,940 | 1.0% | $1,310 | 20% | 38 |
| Kentucky | 27,947 | $527.8 million | $46,371 | 0.8% | $1,190 | 23% | 44 |
| Puerto Rico | 25,387 | $161.1 million | $46,243 | n/a | $460 | 17% | 13 |
| Maryland | 25,376 | $341.2 million | $25,118 | 1.7% | $660 | 30% | 5 |
| Georgia | 24,479 | $520.4 million | $38,145 | 1.6% | $990 | 35% | 6 |
| Indiana | 19,787 | $310.4 million | $35,782 | 0.5% | $960 | 21% | 17 |
| Tennessee | 17,706 | $480.9 million | $44,542 | 0.7% | $1,090 | 32% | 31 |
| Washington | 16,074 | $368.2 million | $54,716 | 0.9% | $1,040 | 24% | 23 |
| Michigan | 14,954 | $150.4 million | $32,151 | 0.4% | $840 | 30% | 13 |
| Iowa | 14,788 | $358.2 million | $48,076 | 0.5% | $1,040 | 22% | 28 |
| North Dakota | 13,307 | $259.5 million | $7,447 | 1.8% | $860 | 50% | 25 |
| Oklahoma | 12,998 | $260.7 million | $63,495 | 0.5% | $1,060 | 32% | 33 |
| Minnesota | 12,474 | $157.3 million | $29,315 | 0.2% | $1,140 | 38% | 27 |
| Arkansas | 10,260 | $220.6 million | $53,005 | 0.8% | $1,010 | 29% | 27 |
| Wisconsin | 9,522 | $143.2 million | $37,364 | 0.5% | $960 | 29% | 20 |
| Kansas | 7,901 | $116.8 million | $37,361 | 0.5% | $1,040 | 33% | 38 |
| Rhode Island | 7,026 | $139.5 million | $51,648 | 2.7% | $1,190 | 26% | 6 |
| Delaware | 6,339 | $91.8 million | $38,473 | 4.8% | $1,140 | 16% | 2 |
| Hawaii | 6,285 | $167.9 million | $71,477 | 3.9% | $1,460 | 29% | 15 |
| Oregon | 6,095 | $110.1 million | $37,013 | 1.1% | $1,110 | 29% | 15 |
| Nebraska | 6,069 | $98.3 million | $50,612 | 0.7% | $940 | 21% | 29 |
| Colorado | 5,802 | $91.7 million | $22,102 | 0.6% | $940 | 50% | 5 |
| Maine | 5,672 | $87.1 million | $45,528 | 1.2% | $1,190 | 33% | 25 |
| Arizona | 5,336 | $62.9 million | $39,888 | 0.7% | $990 | 40% | 16 |
| New Hampshire | 4,423 | $67.1 million | $35,372 | 1.1% | $1,360 | 29% | 24 |
| South Dakota | 4,016 | $62.6 million | $42,522 | 0.5% | $1,190 | 55% | 30 |
| Vermont | 3,725 | $118.2 million | $62,529 | 1.1% | $1,310 | 23% | 32 |
| Montana | 2,220 | $19.2 million | $39,328 | 0.6% | $990 | 46% | 16 |
| Nevada | 1,964 | $47.4 million | $35,505 | 0.8% | $860 | 33% | 7 |
| New Mexico | 1,938 | $41.9 million | $67,575 | 1.4% | $1,060 | 36% | 21 |
| Utah | 1,216 | $8.1 million | $20,853 | 0.3% | $660 | 69% | 8 |
| Idaho | 1,116 | $10.4 million | $18,759 | 0.5% | $1,090 | 40% | 12 |
| Alaska | 808 | $16.5 million | $55,381 | 1.1% | $390 | 35% | 30 |
| Wyoming | 562 | $3.8 million | $22,396 | 0.5% | $1,090 | 55% | 5 |
| District of Columbia | 501 | $5.5 million | $16,092 | 1.1% | $390 | 85% | 1 |
Where these numbers come from
All figures on this page are calculated from FEMA's public OpenFEMA datasets:
- NFIP Redacted Claims (v3) (FEMA (OpenFEMA)): NFIP claims since 1978, downloaded 2026-10-08. Dollar amounts are what the NFIP paid, not adjusted for inflation. Claims filed under private flood insurance aren't included.
- NFIP Residential Penetration Rates (v1) (FEMA (OpenFEMA)): NFIP residential policy contracts in force (as of August 3, 2026) divided by FEMA's count of residential buildings from the National Structure Inventory. FEMA notes that inventory is incomplete in some counties, which can inflate the rate. Private flood policies aren't counted.
- NFIP Redacted Policies (v3) (FEMA (OpenFEMA)): NFIP policies in force on June 30, 2026 (a policy counts if its term covers that date and it wasn't cancelled), downloaded 2026-10-08. Policy counts are FEMA's insured units, so a condominium association policy counts each unit. Costs are FEMA's "policy cost" (premium plus reserve fund assessment, federal policy fee and HFIAA surcharge) for single-family homes only. Policies FEMA's data doesn't place in a county count toward the state only.
- Disaster Declarations Summaries (v2) (FEMA (OpenFEMA)): disaster declarations, downloaded 2026-10-08. We count a declaration as flood-related when FEMA lists flooding (or a dam or levee break) as its incident type or a designated incident type, or the declaration's title mentions flooding.
FEMA's redacted claims data doesn't identify properties, and FEMA notes that some records lack a county or flood zone. See how we use the data.